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Buying a home can be one of the most exciting times in your life. There are many considerations to make when buying, but MortgagesRM and Stephen Kerrigan will always help first-time buyers in leeds find financing that will suit your needs.

What do you want information on?

First Time Buyer

Buying your first home can be a little bit daunting, but we’re here to help with all the challenges of finding your perfect place.


Looking for a better mortgage deal? Or to release some of the equity in your home? The process is often not as easy as it first appears.

Moving Home

Thinking of selling your existing property and moving to a new home? It’s important that you try and budget accurately. Find out why.


This can be one of the popular mortgage options available for those wishing to invest in the residential & rental property.

First time buyers in Leeds

MortgagesRM offers up to 95% LTV mortgages, along with various other kinds of financing. Our mortgage terms vary by product; be sure to double-check the individual products for more information on the fees associated with these loans, as well as early repayment charges.

How much can I borrow?

First-time-buyers in Leeds

The size of mortgage you can get depends on your income. Some lenders use a multiple of your income others look at how much you can afford based on your income and outgoings.

As a rough guide, a typical multiple is four times your income. This figure could be higher or lower depending upon your individual circumstances and different lenders’ criteria.

Lenders who look at what you can afford base this on the number of people applying for the mortgage and any loans or debts that you have outstanding. Some lenders offer very good deals for first time buyers, so it always worth asking us to research the market on your behalf.

It is worth remembering the additional costs, on top of your deposit and mortgage that you will be expected to pay.

For example, you will have to pay for the survey and the valuation of the property, as well as solicitor’s fees.

You may also have fees to pay to the lender for your mortgage. These could be an arrangement fee and/or booking fee. Contact us to find out how much these fees may be.

What other costs do you need to be aware of?

First-time-buyers in Leeds

Data collected from 5,948 respondents between January 2019 & December 2019 by Engine on behalf of MortgagesRM – Fee Free Mortgage Advisor

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