Our Fees & How We Get Paid

Clear, Fair & No Surprises

Taking the unknown out of buying your first home.

We have the answers to all of your questions.

Clear, friendly no jargon advice for first time buyers.

We believe in being upfront about our fees from day one.

Our fees range from £100 up to 1% of the loan amount, depending on the complexity of your case.

For most first-time buyers, our typical fee structure is:

£100 at mortgage application

£295 when your mortgage offer is issued

That’s it. No hidden extras. No unexpected invoices.

Why Do We Charge?

Why Do We Charge?

We’re specialists in first-time buyers. That means we:

-Do detailed lender research

-Structure your application properly

-Package and submit everything correctly

-Liaise with lenders, solicitors and estate agents

-Guide you right through to getting your keys

Our fee covers the expertise, time and support that protects you from costly mistakes and mortgage rejection.

And remember — we only get paid when your mortgage is moving forward.

Mortgage Proc Fees

We will also be paid a procuration fee by the lender. You will be told how much this is when we give you the mortgage illustration. You can ask in advance the percentage (of the loan) each lender will pay us.

If an application is submitted via a third-party specialist (sometimes called a packager) we will be paid commission by them instead of the lender. This will be disclosed to you.

Insurance Commision

We will not charge you a fee for our services relating to insurance, but we will receive commission from the product provider. The commission will be calculated as a proportion of the premiums paid for the insurance product.

You will receive a quotation which will tell you about the fees and charges relating to any insurance policy that we recommend.

CONTACT & FIND US

OPENING TIMES

MONDAY 9.30 - 17.30

TUESDAY 9.30 - 17.30

WEDNESDAY 9.30 - 17.30

THURSDAY 9.30 - 20.00

FRIDAY 9.30 - 17.30

SATURDAY 9.00 - 13.30

SUNDAY CLOSED

MEET US

NEWS & BLOGS

We charge a fee for our services. Our fee range is £0 to £595, with a typical fee of £395. If a Fee is payable, it is paid in 2 stages. Stage 1. £100 when we submit your mortgage application. Stage 2. £295 (or the remainder of the agreed fee) when you receive your official Mortgage Offer. We’ll always agree this with you before we start any chargeable work, and you’ll receive written confirmation so everything is clear from the start.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH MORTGAGE REPAYMENTS

First Time Buyer Mortgages Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority.

The Guidance contained within this website is subject to UK regulatory regime and is there primarily targeted at the consumers based in the UK.

First Time Buyer Mortgages Ltd, registered in Northern Ireland. Registration Number - NI730959.

Registered address, 222 Lisburn Road Belfast BT9 6GD.