How We Help
First-Time Buyers
Clear, personal mortgage and protection guidance for every step of your home journey.
Get your first-time buyer planSpeak to an adviser
Your home may be repossessed if you do not keep up repayments on your mortgage.
Complete support. Zero overwhelm.
- Set your budget with confidence
We map out your true buying power upfront, so you can view homes with certainty instead of guesswork. - Clarity on every choice
We break down fixed vs variable, fees, rates and everything in between, so you always know exactly what you’re deciding. - Find the mortgage that fits your future
We search the market, helping you find the deal that supports you both today, and where you’re heading. - Stay supported from start to finish
From your AIP to your getting your keys, we manage the process and keep you informed.
The Areti Way
Start your application
We break down the jargon, find the right deal for your situation, and guide you from that first question to the day you move in. No hassle. No confusion. Just help that makes sense.
Frequently asked questions
How much deposit do I need as a first-time buyer?
Most lenders ask for at least 5% of the property price, but there are some lenders that can facilitate a 0% deposit.
How much can I borrow?
It all depends on your income, outgoings, credit history, and how comfortable the lender is that you can afford the mortgage. We’ll calculate your borrowing power upfront, so you know your true budget before viewing.
What’s an Agreement in Principle (AIP) and do I need one?
An AIP is a lender checking what they’re likely to lend you. It’s not a full mortgage offer, but it proves you’re a serious buyer. Most agents will want to see one — and it helps you view the right homes with confidence.
When should I speak to a mortgage broker?
As early as possible. A quick conversation helps you understand your budget, tidy up any financial issues, and plan confidently before you start viewing.
How long does the mortgage process take?
Most purchases complete in 2-3 months, but it can be faster or slower depending on searches, solicitors, and the chain.
Can I get help if my credit isn’t perfect?
Yes — absolutely. Lots of people buy homes with less-than-perfect credit. We’ll look at your situation and match you with lenders who are more flexible, so you know exactly where you stand and what your options are.
I’m new to the whole process - where can I learn the basics?
You’re not alone. Buying your first home comes with a lot of new terms and steps, which is why we created ‘The Basics’ and ‘Your First Home Starter Guide’ — our simple, jargon-free guides to everything you need to know. It’s the perfect place to start and feel more confident before you make any decisions.
