ADVICE FOR FIRST TIME BUYERS

First Time Buyers

Make Your First Home Purchase with Confidence

Buying your first home is a significant milestone, but the process can often feel overwhelming. From securing the right mortgage to understanding the legal and financial aspects, having expert guidance can make all the difference. At Prosperous, we provide tailored advice for first-time buyers, helping you navigate the entire process and secure the best deal on your mortgage.

At Prosperous, we understand that purchasing your first home is not just a financial investment—it’s a life-changing decision. Our team of experienced mortgage brokers is dedicated to helping you find the right mortgage solution, ensuring that your first step onto the property ladder is smooth and stress-free.

What we offer...

Expert Mortgage Advice

Finding the right mortgage can be confusing, especially for first-time buyers. We simplify the process by guiding you through your options, explaining the different types of mortgages, and helping you secure the best deal. Whether you’re unsure about fixed or variable rates, deposit requirements, or affordability criteria, we’re here to help.

Mortgage Approval Guidance

Securing mortgage approval is a crucial step in buying your first home. We’ll work with you to ensure that your application is strong, providing advice on how to improve your chances of approval. We’ll guide you through the necessary paperwork, income verification, and credit checks to help you get approved quickly.

Help to Buy and Other Incentives

As a first-time buyer, you may be eligible for government schemes like the Help to Buy Scheme and the First Home Scheme which can significantly reduce your upfront costs. Our team will walk you through these programs and help you understand what financial incentives are available to you, ensuring you take advantage of all opportunities.

Personalised Mortgage Solutions

Every buyer’s financial situation is unique, which is why we offer personalised mortgage solutions. We’ll tailor our advice to your specific needs and financial circumstances, ensuring you get a mortgage that fits your budget and long-term goals.

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Our First-Time Buyers Process

Initial Consultation

We start by getting to know your financial situation, budget, and home-buying goals. This allows us to provide tailored advice on mortgage options and help you prepare for your first home purchase.

Mortgage Research & Application Support

Once we understand your needs, we research the best mortgage options for you. We’ll guide you through the mortgage application process, ensuring that all necessary documents are submitted and that your application is positioned for success.

Ongoing Support Until Closing

From the moment you start your mortgage application to the day you get the keys, we provide ongoing support. We’ll answer your questions, liaise with lenders, and ensure that the process runs smoothly.

Frequently Asked Questions

How much of a deposit do I need as a first-time buyer?

Typically, first-time buyers need a minimum deposit of 10% of the property’s value. We’ll help you understand how much you need to save and explore options like the Help to Buy scheme.

What is the Help to Buy scheme?

The Help to Buy scheme provides financial assistance to first-time buyers by offering a rebate on income tax paid in previous years. We’ll guide you through the eligibility requirements.

How do I get approved for a mortgage?

Mortgage approval depends on several factors, including your income, proven ability to repay, credit history, and deposit amount. We’ll help you prepare a strong application and advise on ways to improve your chances of approval.

What are the costs involved in buying a home?

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center”,”_mask_position_tablet”:””,”_mask_position_mobile”:””,”_mask_position_x”:{“unit”:”%”,”size”:0,”sizes”:[]},”_mask_position_x_tablet”:{“unit”:”px”,”size”:””,”sizes”:[]},”_mask_position_x_mobile”:{“unit”:”px”,”size”:””,”sizes”:[]},”_mask_position_y”:{“unit”:”%”,”size”:0,”sizes”:[]},”_mask_position_y_tablet”:{“unit”:”px”,”size”:””,”sizes”:[]},”_mask_position_y_mobile”:{“unit”:”px”,”size”:””,”sizes”:[]},”_mask_repeat”:”no-repeat”,”_mask_repeat_tablet”:””,”_mask_repeat_mobile”:””,”hide_desktop”:””,”hide_tablet”:””,”hide_mobile”:””},”defaultEditSettings”:{“defaultEditRoute”:”content”},”elements”:[],”widgetType”:”heading”,”htmlCache”:””,”editSettings”:{“defaultEditRoute”:”content”,”panel”:{“activeTab”:”content”,”activeSection”:”section_title”}}}],”editSettings”:{“defaultEditRoute”:”layout”},”htmlCache”:null}],”editSettings”:{“defaultEditRoute”:”layout”},”htmlCache”:null}]}In addition to your deposit, you’ll need to consider legal fees, stamp duty, and other costs. We’ll help you understand these expenses so you’re fully prepared for your home purchase.

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Inheritance Tax Planning (Section 72)

Capital Acquisitions Tax Relief (Section 73)

Prosperous Financial Planning Limited is authorised under Regulation 30 of the European Union (Consumer Mortgage Credit Agreements) Regulations 2016 to engage in the business of being a Mortgage Credit Intermediary on behalf of the following undertaking(s): Finance Ireland Credit Solutions DAC t/a Finance Ireland, Avantcard DAC t/a Avant Money, Haven Mortgages Ltd, Dilosk t/a ICS Mortgages