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First time buyer mortgage advice.

If you’re a first-time buyer, the range of mortgage products available can be daunting, but don’t worry; that’s why we’re here to help.
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Your home may be repossessed if you do not keep up repayments on your mortgage.

Mortgages for First Time Buyers

We're here to help you.

Buying your first home can be daunting, and the range of mortgage products available for first-time buyers can seem overwhelming. At One Roof Financial, our friendly mortgage advisers will explain the difference between a fixed rate mortgage and a variable rate mortgage. We will compare different products on your behalf, removing the complexity of finding a suitable mortgage for your new home. We will then advise on which option is right for you, explaining how the mortgage process works and how lenders assess your affordability. Our experienced advisers are here to help.

It’s always important to be aware of your credit score…

When you decide you are ready to purchase your first home, remember to think about your ‘credit score’. This is important because when you come to apply for your first mortgage, your credit score could help or hinder you. Lenders will look at whether you can afford to pay your mortgage, and every lender uses their own method of calculating your individual credit score. This can be affected by various factors, from taking out a pay day loan, credit cards, or even by not being on the electoral register.

Helping you make the right choice for your home or property.

We think it’s important for our clients to have access to tools and resources to help them plan, even before they speak to us. So, why not take a look at our mortgage calculators to see an estimate of what you could borrow and how much it may cost? 

View our mortgage calculators

What now? Speak to an adviser.

If you speak to one of our advisers, they can develop a bespoke mortgage
quotation for you based on results from over 50 lenders.

Schedule an appointment

Client testimonials

See what our clients have to say about us! Use the arrows to navigate through our testimonials.

Mrs D, Burbage

Caroline has been an incredible help to us setting up our mortgage . She is always there for you and answers all your questions quickly and clearly. Caroline made a tricky process easy and hastle free. She has taken away any stress that we may have felt. She is extremely knowledgeable and very professional at all times . We would highly recommend Caroline to anyone needing financial help . Knowing we will always have Caroline to keep an eye on us is fantastic !

Mrs W, Burbage

Caroline Eburne was extremely helpful and informed us about a mortgage option we hadn’t even considered. She is very approachable and easy to get hold off when needed. I feel like the mortgage she recommend is perfect for our circumstances and with what we are trying to achieve.

N.L, Leicestershire

Caroline is an incredible, hard working person that always gets results. I’ve been using One Roof for years now which makes my life so much easier in getting the best mortgage deals and insurances. I highly recommended trying One Roof, you won’t be disappointed.

HG Rugby

We were hugely impressed with Caroline’s efficiency and knowledge. She explained everything clearly and was so helpful. We really can’t thank her enough for guiding us through the process and securing a mortgage for us so quickly! We will definitely recommend her highly.

L.S, Leicestershire

Caroline was absolutely incredible. She is extremely knowledgeable and she takes the time to answer any questions you may have. She is friendly, approachable and was supportive throughout the whole process. I would definitely recommend one roof to anyone!

S.R, Hinckley

I was recommended to Caroline by a friend. Following unforeseen circumstances i contacted and arranged a meeting. After our meeting Caroline kept me updated with the process of what i was going through. Once the process had completed Caroline still kept in touch to make sure there was nothing further i needed. I would highly recommend One Roof Financial to family and friends.

Megan L, Nuneaton

Highly recommend Caroline at One Roof Financial! She always goes above and beyond to support us, from supporting us with our first mortgage, annual reviews, remortgaging and additional things such as finding us the best home insurance quotes. We always feel extremely confident with the recommendations Caroline provides as we know she will have done extensive research to provide us with the best advice. I have recommended Caroline to multiple people and will continue to do so.

Mrs F, Hinckley

Caroline was happy to explain anything further and in more detail if we didn’t understand any aspect. Her knowledge and professionalism is fantastic and she is just a lovely lady. Would highly recommend Caroline and One Roof Financial to anyone.

S Simpson, Warwickshire

Expert advice, detailed analysis of what’s best for you specifically and thoughtful, approachable people. Amazing at explaining things in a way that’s clear and easy to grasp. I’ll be continuing to use One Roof Financial for quite some time!

Mr O from Hampshire

What are you particularly pleased with? The ease of choosing the product and the speed of which we completed.

Mr C, Hinckley

Caroline, is incredibly helpful, knowledgeable and supportive and is an all round lovely person!

Mr Sealey, Leicestershire

I have been using them for years and they make dealing with mortgages so simple and easy. Very friendly, transparent and great value as they will advise existing customers for free.

Mr F, Warwick

Caroline has worked with me for many years arranging mortgages, insurances, and also helping with some fantastic referrals in the property industry. Caroline is and always has been exceptional in my opinion. I highly respect her unflappable style, and no matter what pressure I apply, she will not be rushed in ensuring all i’s are dotted and all t’s are crossed before she gives the very best advice.

Mr N, Leicestershire

Caroline was a huge help during our journey as first time buyers. She was always on the other end of the phone when needed. Couldn’t recommend her enough.

Mr Curtis, Leicestershire

We have used One Roof for our mortgage and subsequent remortgages for over 10 years, and can highly recommend the team. Friendly and approachable, but also professional and across the detail.

Anom

Is there anything we can improve? No service is first class!!!

Tammy B, Leicestershire

What are you particularly pleased with? The advisers knowledge and efficiency is second to none.

Mr Cook, Coventry

Fantastic Service from Caroline at One Roof, super helpful, hardworking and knowledgeable, would highly recommend One Roof Financial to anyone, Caroline’s advice and work not only eliminated any stress but also saved us a considerable amount of money

Mr Dunkley, Leics

What are you particularly pleased with? Caroline’s quick response and professionalism

Mrs H, Burbage

What were you most impressed with? The human aspect . When so many people are only contactable via email. To have a person to talk to is amazing.

Mr Cook, Coventry

Communication has been fantastic, Caroline is very helpful in answering any questions quickly and honestly.

Sam S, Leics

What are you particularly pleased with? Caroline’s commitment to me as a client and her attention to detail is second-to-none.

L C Guildford

We highly recommend Caroline and the team to anyone in need of mortgage/insurance advice, and feel very grateful to have been looked after so well during our house buying journey. We know that we are in very safe hands moving forward.

C L Surrey

Communication was excellent throughout the process, with Caroline providing regular updates to keep us informed every step of the way. Her professionalism and approachable manner made what was a stressful process for first time buyers feel smooth and straightforward.

L C Guildford

We had a fantastic experience working with Caroline and the team at One Roof Financial for our mortgage and insurance. From start to finish, Caroline was attentive, friendly, and incredibly knowledgeable. She took the time to explain everything clearly, ensuring we fully understood our options and felt confident in our decisions.

A & J, Burbage

Thank you so much for your support with our mortgage. As always, you are a super star!

C W, Hinckley

10 stars for Caroline. She helped us every step of the way with purchasing our first house. She gave us all the information we needed, explained everything to us in layman terms so we understood. Answered all of the questions we have and made everything much easier! We would have been so lost without Caroline and we cannot thank her enough for all the hard work, help and support she gave us! Thank you!

FBW, London

Caroline was great from start to finish. Professional, knowledgeable and very timely with responses and getting all the paperwork sorted – not only for the mortgage, but life insurance, critical illness and all the other things that come with buying a house! I have already recommended her to friends who are looking to move in the new year.

NI, Hinckley

Caroline was great and guided me through the whole process of my remortgage and life insurance. I would highly recommend 100%.

Miss G, Nuneaton

Amazing communication and easy to talk to. Took into consideration my budget and kept me up to date with the process throughout.