Buying your first home is exciting — but it can also feel overwhelming. Not sure where to start, worried about affordability, or anxious about mortgage rejection? You’re not alone. At Middleton Finance, we specialise in helping first-time buyers across Southport and the UK secure the right mortgage with calm, clear, and expert guidance.
✅ Provide personalised advice for all circumstances (single, joint, employed, self-employed)
✅ Offer transparent guidance throughout the mortgage process
✅ Simplify complex paperwork and processes
✅ Help you understand affordability, deposits, and mortgage options before house hunting
✅ Reduce stress and risk by guiding you through every step
Every first-time buyer is unique. We regularly assist with:
We guide you through the entire journey so you always know what’s happening:
1️⃣ Initial chat – Review your income, deposit, and goals
2️⃣ Borrowing assessment – Understand how much you can realistically borrow
3️⃣ Mortgage market search – Identify suitable mortgage options
4️⃣ Agreement in Principle (AIP) – Strengthen your position when making offers
5️⃣ Mortgage application – We handle paperwork and lender communication
6️⃣ Ongoing support – Guidance through to mortgage offer and completion
Most first-time buyers need a 5–10% deposit, depending on the lender and mortgage product. Your deposit affects:
• Interest rate availability
• Monthly repayments
• Which lenders may consider your application
Gifted deposits are often accepted from parents, grandparents, or close family members (with written confirmation).
Going directly to a bank limits you to their products. We work from a comprehensive panel which is representative of the whole of the market, including:
We help you:
We always act in your best interests — not the lender’s
Our mortgage broker fee is £399, payable only once you receive a formal mortgage offer.
Most lenders offer 4–4.5x your annual income, depending on affordability, credit history, and commitments.
No. Minor credit issues don’t automatically mean rejection. We match you with lenders likely to accept your circumstances.
Typically 2–6 weeks, from application to mortgage offer, depending on lender and property valuation.
Yes! We guide first-time buyers through these schemes and explain eligibility.
Stamp duty relief often applies to first-time buyers, depending on purchase price.
Middleton Finance is a trading name of Daniel Bailey, an Appointed Representative of PRIMIS Mortgage Network (trading name of Advance Mortgage Funding Ltd). Advance Mortgage Funding Ltd is authorised and regulated by the Financial Conduct Authority.
Still have a question? Get in touch.
Buying your first home doesn’t have to be stressful or confusing. At Middleton Finance, we specialise in calm, clear, expert support for first-time buyers from start to finish.