First-Time Buyer Mortgages in Welling
Helping You Buy Your First Home with Local, Friendly Support
Buying your first home is exciting — but it can also be a challenge if you’re not sure where to start. Whether you’re just beginning to look or already have a property in mind, having the right guidance can make all the difference.
We work with clients across Welling, Bexleyheath, Sidcup, Blackheath, and the surrounding areas to help first-time buyers secure mortgage deals that suit their goals and financial circumstances.
✅ How We Can Help
Whether you’re employed, self-employed, using a gifted deposit or buying solo, we manage the mortgage process from first enquiry through to application — keeping things clear, simple and on track.
🏦 Access to a broad range of mortgage solutions through authorised partners
💷 Support with 5% deposit and 95% loan-to-value cases
📄 Assistance gathering the documents lenders typically require
💬 Clear updates throughout the process — no chasing needed
📍 Local insight into Welling and surrounding areas
We work closely with experienced advisers to ensure your case is handled promptly, professionally, and with care.
🧠 Common Questions First-Time Buyers Ask:
How much can I borrow?
That depends on your income, credit history, deposit size, and monthly outgoings. We’ll help you get a realistic figure based on current lending criteria.
What deposit do I need?
Most first-time buyers need at least 5–10% of the purchase price, but options vary. Some lenders offer flexibility depending on your profile.
What documents will I need?
Typically: proof of ID, payslips or accounts, bank statements, credit history, and proof of deposit. We’ll give you a clear list so you’re never in the dark.
Can I get a mortgage if I’m self-employed?
Yes — whether you’re a sole trader, contractor or LTD company director, we work with advisers who understand complex incomes and can place you with lenders who accept them.
🏡 Local Knowledge Makes a Difference
We understand the local market — from new builds in East Wickham to traditional terraces off Bellegrove Road. We know which lenders are open to first-time buyers in this area, and which ones offer more flexibility for non-standard cases.
Recent first-time buyer clients in Welling have secured mortgages even with:
Just 1 year of self-employed history
10% deposit gifts from family
Multiple sources of income
📲 Ready to Take the First Step?
We make it simple. Just fill out our short form below and we’ll be in touch to discuss your goals. Whether you’re just starting out or ready to apply, we’ll help you understand what’s possible.
No upfront fees
No obligation
Just straightforward support
🧮 Mortgage Calculator for Welling Buyers and Homeowners
Using a mortgage calculator is a smart way to understand your potential monthly payments before making any big decisions. Whether you’re buying your first home or looking to remortgage, it’s a quick and simple way to plan ahead.
Our calculator is designed to give you a clear idea of what your repayments could look like based on your loan amount, term, and interest rate — helping you make informed choices early on.
Ready to get started?
Visit our Mortgage Calculator page now and take the first step in your home buying or remortgaging journey.