First Time Buyers?

BUYING YOUR FIRST HOME SHOULD FEEL EXCITING, NOT OVERWHELMING.

Getting onto the property ladder can feel daunting at times, especially when you’re trying to understand deposits, mortgage options and what you can realistically afford.


At AR Mortgage Services, we help first time buyers move forward with confidence by giving clear, straightforward advice tailored to your situation. No jargon, no pressure, and no being treated like a number.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

We're here to help you understand what’s possible.

Whether you already have a deposit saved or are just starting to explore your options, we’ll guide you through the process step by step.

Let us help you!

  • Understanding how much you may be able to borrow

  • Low deposit mortgages

  • Family assisted mortgages

  • Mortgage agreements in principle

  • Fixed and variable rate mortgages

  • Shared ownership schemes

  • Self-employed applications

  • Understanding your monthly costs

Every situation is different, which is why we take the time to get to know you properly before recommending the most suitable options.

Why first time buyers choose
AR Mortgage Services

Clear Advice

Buying your first home comes with plenty of questions and unfamiliar terminology. We explain everything in plain English, helping you understand your options, make informed decisions and feel confident every step of the way.

Mortgage Experts

We, as part of a larger mortgage network, have access a wide range of lenders and mortgage products ensuring we can always find the right mortgage for you.

Support Every Step

From first chat to the day you collect the keys to your first home. Any questions, we're here for you.

ARE YOU READY TO GET STARTED?

LEGAL

LEGAL

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

Calls may be recorded for training and quality purposes.

AR Mortgage Services undertakes credit broking and is not a lender. We offer an unrestricted range of first charge mortgages, but do not offer second charge lending or bridging finance.

AR Mortgage Services is a trading style of Alistair Redhouse Mortgage Services Ltd, which is an Appointed Representative of Stonebridge Mortgage Solutions Ltd. which is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register.

We are registered in England and Wales under company number 16988991. Our registered office is at The Old Police House, Old Botley, Botley Road, Oxford, OX2 0JW.

Fee statement: There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £335 and is payable once an application has been submitted and will be agreed with you prior to advice being given.

Insurance Disclaimer: As with all insurance policies, conditions and exclusions will apply. The cost of insurance depends on several factors, such as your age, occupation, and location.