First time buyer guide

Is it time to spread your wings?

Buying your first home is a very exciting time but there can also be a lot to learn. There are many different types of mortgage and lenders have different approaches to lending and a variety of different interest rates.

Our first-time buyer guide provides more information on the different types of mortgage, how much you could borrow, what the typical costs associated with buying a new home are likely to be and some key advice when it actually comes to applying for a mortgage.


If you can’t find what you’re looking for, please call us or arrange a callback with one of our mortgage advisers.

Being a first-time buyer can be very exciting. However, it can also be very confusing, particularly as you can be unsure when you need an estate agent, when to get in contact with a solicitor and when to make an offer. Take a look at our 12-step infographic on how to buy a new home.


Please download our first-time buyer guide.

London Office

Railway House
1 Whittlebury Mews East

020 7483 4488

Newcastle Office

4th Floor
18-24 Grey Street
Newcastle Upon Tyne

0191 468 2500

Northallerton Office

Trinity House
Thurston Road
North Yorkshire

01609 760960

Richmond Office

Gallowfields House
Fairfield Way
North Yorkshire
DL10 4TB

01748 825 971

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Regulatory Statement

Gale and Phillipson Investment Services Ltd, Gale and Phillipson Advisory Services Ltd, Gale and Phillipson General Financial Services Ltd and Gale and Phillipson (SE London) Ltd are all authorised and regulated by the Financial Conduct Authority (Reference Numbers 431387, 142752, 195080, 195522).  Gale and Phillipson (Herts) Ltd and Gale and Phillipson Consulting Ltd are appointed representatives of Gale and Phillipson Advisory Services Ltd.  Gale and Phillipson (Surrey) Ltd is an appointed representative of Gale and Phillipson Investment Services Ltd. (Reference Numbers 615821, 811525, 703337). All companies trade under the name Gale and Phillipson and are registered in England and Wales numbers 05409822, 02232959, 03751076, 04077157, 08864945 and 04823391.  Registered office for all companies is Gallowfields House, Fairfield Way, Richmond, DL10 4TB.

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