FIRST-TIME BUYER MORTGAGE ADVICE · NORTH EAST
Buy your first home with confidence
Make the most of your income and deposit, explore suitable mortgage options and move closer to the keys to your first home, with experienced guidance and personal support throughout.
Rated 5.0 on Google
★★★★★ 50+ reviews from local buyers
Free initial consultation. No obligation to proceed.
5.0 ★★★★★
BASED ON 50+ GOOGLE REVIEWS
1,000s
OF MORTGAGE DEALS TO EXPLORE
North East
PERSONAL MORTGAGE ADVICE
No obligation
START WITH AN INITIAL CONVERSATION
Why JMH
- ✓ 5.0 ★★★★★ from 50+ Google reviews
- ✓ Local, personal mortgage advice
- ✓ No obligation to proceed
- ✓ No detailed financial information needed at this stage
FIRST-TIME BUYER GUIDANCE
With You From the First Step
Buying your first home is a big step, but you do not have to figure it out on your own.
Whether you are still saving, working out your budget or beginning to view properties, speaking to a mortgage adviser early can make your next step much clearer.
JMH can help you understand your position, explore suitable mortgage options and prepare for buying your first home.
01
YOU DO NOT NEED TO BE READY TO APPLY
Planning can begin months before you buy. Understanding your position early can give you more time to prepare your finances and explore the options that may be available.
02
YOUR DEPOSIT MAY BE SMALLER THAN YOU EXPECT
Some mortgages may be available with a deposit from 5%. Depending on your circumstances and eligibility, other home-buying options may also be worth exploring with an adviser.
03
AFFORDABILITY IS ABOUT MORE THAN YOUR INCOME
A lender may consider your income alongside regular spending, existing borrowing and other financial commitments. A JMH adviser can help you understand how these factors could affect your options.
04
AN AGREEMENT IN PRINCIPLE CAN HELP YOU PREPARE
An agreement in principle can provide an initial indication of how much you might be able to borrow. JMH can often help arrange one within 24 hours.
SPECIALIST ROUTES TO A FIRST HOME
Your deposit and buying options
95% mortgages
Some options may be available from a 5% deposit.
98% mortgages
Some lenders may consider a deposit of just 2%.
Just a £5k deposit
Some schemes may need as little as £5,000 saved.
JBSP
Family income supports the loan, but you own the home.
Gifted deposit
Many lenders accept deposits gifted by family members.
Some products may be available with a 5% deposit, subject to lender criteria.
Get a clearer idea of what you could borrow
A clearer budget can turn buying your first home from a future ambition into something you can begin planning for. JMH can help you understand the figures and what they could mean for your next step.
Use the estimate as a starting point, then let an adviser turn it into a realistic budget based on your circumstances.
THE JMH DIFFERENCE
How JMH supports you
What begins with questions about budgets, deposits and mortgages can become a clear route towards your first home.
Clarity from the start
Ask your questions and get a clearer understanding of where you stand, without pressure to proceed.
Experience with first-time buyers
Advice that reflects your circumstances, including lower-deposit mortgages and eligible buying options where appropriate.
More mortgage options to explore
JMH can research thousands of mortgage deals, including options that may not be available through your own bank.
One dedicated adviser
A consistent point of contact who understands your plans, supported by the wider JMH team behind the scenes.
Lower-deposit routes explored
First-time buyer mortgages and eligible buying schemes considered from a 5% deposit.
Protection & insurance advice
Life insurance, critical illness cover and other protection explored alongside your mortgage.
MEET JMH
Here for your next step
Founded by mortgage advisers Nick, Bruce and Alex, JMH understands how challenging buying your first home can feel. The team will help you make the most of your budget and explore the mortgage options that could bring your plans closer.
Free initial consultation. No obligation.
Advice provided through PRIMIS Mortgage Network, authorised and regulated by the Financial Conduct Authority.
Trusted by first-time buyers
Rated 5.0 on Google from 50+ reviews
Ready to start your journey to a first home?
01
Tell us where you are
Start with your plans, deposit, income and any questions that are holding you back.
02
Get a clear recommendation
If you decide to proceed, we’ll research suitable options and explain the recommendation clearly — including arranging an Agreement in Principle when you’re ready to make offers.
03
Apply with support
We’ll prepare and submit the mortgage application, respond to lender questions and keep you updated.
04
Protect you and your home
Tailored protection advice alongside your mortgage — life insurance, critical illness cover and more from the whole of market.
Free initial consultation. No obligation to proceed.
YOUR NEXT STEP
Make Your First Home Happen
Tell us about your plans in four quick steps and request your free initial
mortgage appointment. It takes around 60 seconds.
Or call 07538 286914
✓ No detailed financial information needed ✓ No obligation to proceed ✓ Usually a response within one working day
COMMON QUESTIONS
You might be asking…
Short answers to the questions most likely to come up before an initial conversation.
Why use a mortgage adviser instead of my bank?
Your bank can only offer its own products. An adviser compares options from across the market — including lenders whose criteria may suit your circumstances better — and manages the application for you from start to finish.
How much deposit do I need?
Some first-time buyer mortgages may be available with a deposit from 5%, subject to eligibility, availability and lender criteria. A larger deposit may provide access to a wider choice of products.
How much could I borrow?
It depends on your income, outgoings, deposit and credit commitments. Lenders assess affordability differently, so an adviser will look at your full circumstances before giving a figure.
What other costs should I budget for?
Beyond the deposit, plan for solicitor fees, searches, a survey, possible lender fees, moving costs and any Stamp Duty that applies to your purchase.
What is an Agreement in Principle?
An indication from a lender of what they may be prepared to lend, based on initial checks. It helps estate agents take your offer seriously and is not a guaranteed mortgage offer.
What fees will I pay?
Our advice and consultation are fee-free, with no obligation. If you choose to proceed, a broker fee may apply depending on your circumstances and the complexity of your requirements — a typical fee would be £399, payable on application.