FIRST TIME BUYER.
SAY HELLO TO HOME OWNERSHIP.
Buying your first home is a huge milestone. It’s perfectly normal to feel both excited and a little overwhelmed. That’s where I come in. From our very first conversation, through your mortgage application, right up to the moment you collect your keys, I’ll be by your side every step of the way. You can relax knowing you have clear guidance and support throughout the whole journey. Together, we’ll turn the dream of home ownership into your reality!
THE PROCESS.
STEP 1 – Understanding Your Needs
We’ll start by talking through your circumstances, priorities, and goals so I can understand exactly what you need. I’ll identify the most suitable mortgage solution for your situation and provide all the information you’ll require — including your Mortgage Certificate as proof of your Agreement in Principle. With that in hand, you can start viewing properties!
STEP 2 – Finding Your Ideal Home
I’ll help you search for and secure your dream home. When you’re ready to make an offer, I’ll guide you through the process to give you the best chance of success.
STEP 3 – Recommendations & Application
After reviewing the whole of the UK mortgage and protection markets, I’ll recommend the most suitable options based on your priorities. I’ll then submit your application to the lender. At this stage, your lender will arrange a Valuation Report of the property. I can also help you appoint a qualified surveyor to assess its true condition, and if you wish, I’ll assist you in finding and instructing a solicitor to start the legal work.
STEP 4 – Your Mortgage Offer
I’ll be in touch with the exciting news that your mortgage lender has made a full offer! Copies will be sent to you, your solicitor, and me.
STEP 5 – Exchanging Contracts
When your solicitors exchange contracts with the seller’s solicitors, both parties are legally committed to the purchase. At this point, I’ll make sure you and your new home are properly protected.
STEP 6 – Completion & Moving In
Your solicitor will receive the mortgage funds from your lender, combine them with your deposit, and make all necessary payments. Then comes the best part — you collect the keys and step into your new home
ANY QUESTIONS?
WHY SEAN?
EXPERT ADVICE YOU CAN TRUST.
Award-winning mortgage broker with over a decade of experience
across all areas of financial services. I bring vast knowledge of the
home-buying process and a proven track record with complex
mortgage transactions. I’m also a regular mortgage correspondent
for BBC Radio Wales, sharing insights and guidance with a wide
audience.
CLEAR. SIMPLE. STRESS-FREE.
Whether we meet face-to-face, speak over the phone, or connect via video, I’ve made
it my mission to simplify the mortgage process for busy people. Expect clear,
jargon-free advice tailored to your needs, helping you secure the right mortgage and
protection solutions without unnecessary stress.
5 STAR SERVICE, EVERY TIME.
I pride myself on excellent customer service and being by your side every step of the
way. From our first conversation right through to the moment you collect your keys,
you can relax knowing you have an expert handling every detail.
WHOLE OF MARKET EXPERTISE.
I provide fully advised, whole-of-market mortgage and protection solutions, meaning
I search a wide range of lenders to find the right fit for you. Whether you’re a first-time
buyer, a portfolio landlord, self-employed, dealing with a complex application, or
working to overcome credit challenges, I’ll guide you through the process and ensure
your needs are met.
WITH ME, IT'S PERSONAL.
You get expert guidance, clear communication, and complete peace of mind, every
single time.
