First Time Buyer

first time buyer

With our expertise you can be sure you will find a product to suit your needs. Lenders are constantly reviewing the range of products they offer and the various features and options included in each. The attractiveness of each one depends on the personal circumstances of each borrower.

Whatever your needs, we are here to make your first time purchase go as smoothly as possible.

The right mortgage can save you thousands of pounds in interest and protect you from interest-rate changes.

Fixed rate mortgages are for those of us who want to be certain of our monthly outgoings and a good option if you are of the opinion that interest rates will rise. They are protected from interest rate fluctuations for the length of fixed rate period.

Tracker mortgages track the Bank of England base rate and are dependent on its fluctuations. If it drops you pay less, increases you pay more.

Offset mortgages allow you to offset any money in your current account against your mortgage, so you only pay interest on the difference. As the savings for offset mortgages aren’t currently taxed, it can be an efficient way for high rate tax payers to use their money.

“Your home may be repossessed if you do not keep up repayments on your mortgage”


“My Advisor has been an excellent Advisor, they were very friendly, understood my goals, listened and explained very well. I was guided and supported all the way, I was always kept up to date, Templar went the extra mile to help me to buy my first property, without their help I don’t think I could have achieved my goal. I would highly recommend Templar.”
Kamala Begum, London