Buying Your First Home Should Feel Exciting, Not Overwhelming.
Buying your first home is a big step and it’s completely normal to feel unsure where to start.
At Astute Mortgages, we provide clear, straightforward first time buyer mortgage advice in Waterlooville and across Hampshire, helping you understand what you can afford, how the process works and what to expect at each stage.
From your first enquiry through to getting the keys, we’re here to guide you and make the whole process feel far more manageable.
We don’t just aim to get you approved. We aim to set you up properly.
Understanding
the Foundations
Before you begin house hunting, there are a few key areas every first-time buyer should understand.
Deposit Requirements
Most lenders require a minimum 5–10% deposit, though larger deposits may unlock more competitive rates.
Affordability Assessment
Lenders assess your income, outgoings, credit history and financial commitments. We help you understand what’s realistic before you apply.
Agreement in Principle (AIP)
An AIP gives you an indication of how much you could borrow and strengthens your position when making an offer.
Credit Profile
Even minor issues can affect lender decisions. We review your credit profile before submission to avoid surprises.
Government Schemes
Where appropriate, we advise on available support schemes designed to assist first-time buyers.
We ensure you begin the journey fully informed.
Confidence Comes From Clarity
We explain every step in plain English. No jargon, no confusion. You’ll always understand what’s happening and why.
Clear Communication
The Right Advice
We don’t just submit applications. We take the time to understand your situation and recommend the mortgage that genuinely fits.
From your first conversation through to completion and beyond, we’re here to support you whenever you need us.
Ongoing Support
Your First Home
Made Simple
Initial Consultation
We take the time to understand your income, savings, credit profile and plans, so you know exactly where you stand.
Agreement in Principle
We secure an Agreement in Principle so you can start viewing properties with confidence.
Property Offer
Once your offer is accepted, we guide you through the next steps and move everything forward.
Mortgage Application & Valuation
We handle the application, deal with the lender and keep everything progressing smoothly.
Completion
Funds are released, contracts are finalised, and you receive the keys to your new home.
YOUR HOME MAY BE REPOSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Frequently Asked Questions
We take pride in being your dependable mortgage ally, focused on integrity, openness, and personal service.
How much deposit do I need as a first-time buyer?
Most lenders require at least 5% of the property value, although 10% or more may secure better rates.
Can I get a mortgage with student loan repayments?
Yes. Student loans are factored into affordability but do not automatically prevent approval.
How long does the process take?
From offer acceptance to completion typically takes 8–12 weeks, depending on legal processes.
Do I need perfect credit?
No, but lenders assess credit history carefully. We review your profile before submission.
What fees should I expect?
Possible costs include valuation fees, solicitor fees, lender arrangement fees, and stamp duty (if applicable).
What First-Time Buyers Say
We value being your reliable mortgage partner, dedicated to honesty, clear communication, and tailored support.
Supporting First-Time Buyers Across Hampshire
We work with clients in:
Waterlooville
Portsmouth
Fareham
Portsmouth
Havant
Havant
Across Hampshire
Our local knowledge and lender relationships ensure your first purchase is handled smoothly and professionally.
Thank you for contacting us.
We’ll get back to you as soon as possible.
We got it.
Ready to Take the First Step?
Buying your first home doesn’t need to feel complicated.
