First Time Buyer Mortgage Advisors

Save time, your sanity and money by using our free first time mortgage advice service.


Receive an agreement in principle certificate within  2-4 hours  of speaking with us and start viewing properties tomorrow with confidence.

  • Part of the Simply Group, £1.5 billion in mortgages arranged
  • 96% success rate
  • 10.2 days from application to offer

Tailored Mortgage Solutions

Huge Choice

Save Time & Protect Your Credit Score

Quick Decisions, No Delays

You’re Ready to Buy Your First Home. So Why Is Getting a Mortgage So Difficult?


Buying your first home should be exciting — not overwhelming. But if you’ve already started the mortgage process, you might be hitting unexpected obstacles.


Maybe a bank has told you that you don’t earn enough, even though your finances are in good shape. Or perhaps they’ve offered you far less than you expected. Some lenders might even have turned you down completely — making the process more stressful than it needs to be.


It’s Not You — It’s How Lenders Assess First-Time Buyers.


Many high street banks use a rigid approach when deciding how much you can borrow. They often focus only on your basic salary, ignoring bonuses, commission, or other regular income. And if you’re self-employed or on a fixed-term contract, they may see your income as unpredictable — even if it’s stable and reliable.


Student loans and limited credit history can also work against you. Some lenders treat student loans like traditional debt, reducing your borrowing power unnecessarily. And if you’ve never had a credit card or personal loan, you might not have the credit profile lenders want — even though you’ve always managed your money well.


The Right Lender Makes All the Difference.


At Bright Future Mortgage Advisors, we specialise in helping first-time buyers get approved — with less hassle and more confidence. We work with lenders who take a more flexible and realistic view of your financial situation. Whether you earn bonuses, are self-employed, or just don’t fit the typical mould, we’ll help you find a mortgage that suits your circumstances.


We also know which lenders are more understanding when it comes to student loans and limited credit history — so you can access the borrowing you need without unnecessary roadblocks.


Find Out What You Could Borrow Today.


To get started, simply fill in our quick online enquiry form. One of our friendly mortgage specialists will be in touch to talk through your options and match you with a lender who understands your situation.


Your first home is closer than you think — and we’re here to help you every step of the way.

Connect With Our Experienced First Time Buyer Mortgage Advisors

We'll simply send you an email with the next step
Or call 01245 206 030

Contact Us

We will NEVER share your information with third parties

"Their expertise in finding the right product and explaining the process really helped put our minds at ease and having someone who responds quickly with transparency and plenty of detail is great. "


Ben & Amie (November 2024)

We're Trusted by 100+ Mortgage Lenders

We work with all major and specialist UK lenders, so whatever your situation, we’ll likely find a solution.



If not, we’ll explain why—and what you can do to change that.

We Stop First Time Buyer Mortgage Mistakes

Getting a mortgage can be tricky. Many first-time buyers unintentionally cause their mortgage applications to be declined.

Part of the Simply Group, Featured in:

What We'll Do

Source your mortgage deal

Submit your application

Pre-underwrite your case

Support you until you move in

Common First Time Buyer Mortgage Declines

Calculating Income Incorrectly

Calculating income wrong such as overtime, commission, net or gross profit of business etc.

Too Many Credit Checks

Getting declined and then subsequently trying again without understanding the cause. Multiple needless credit checks.

Lender/Property Type Mismatch

Applying for the wrong type of properties without understanding Loan-to-value criteria.

Wrong Documentation

Submitting the wrong documents causing weeks of delays or application decline.

"From the very beginning everything was smooth and explained clearly, they had no issues with answering any questions or concerns we had. Any issues throughout they was able to sort for us. Fantastic with updating and responding quickly."


Michael & Kayleigh (January, 2025)

FAQ

  • What is a mortgage advisor?

    A mortgage advisor guides you through your application, helping you understand deals, lender criteria, and avoid early rejection—saving you time and money.

  • Why is your service free?

    We're paid commission by the lender, not you. Some brokers also charge a fee, but we don’t.

  • If what happens when i send my email to you?

    We'll email you to arrange a convenient time for a call.

  • I'm not ready yet to move yet, should i still contact you?

    We're happy to advise, and you can reach out when you are.

Ready to start?

  • Obtain a AIP certificate
  • Know how much it will cost
  • Know your limits
  • Get your documents in order
  • Understand the fees involved

Make an offer

Connect With Our Experienced First Time Buyer Mortgage Advisors

Contact Us

We'll simply send you an email with the next step
Or call 01245 206 030
We will NEVER share your information with third parties