Paddy Rice First Time Buyer Mortgages

The Biggest First-Time Buyer Regret I Hear
The biggest thing buyers need isn't a bigger deposit.
It's clarity.

They Thought They Needed £20,000...
Lots of buyers are much closer than they think.
Sometimes they just need the right route.

Old Default?
Historic credit problems don't automatically mean game over.

Does Klarna Affect Your Mortgage Application?

Using Klarna doesn't automatically mean mortgage declined.

The bigger picture matters.

Will Lenders Question Money From Family?

Lots of buyers worry family money in their account will cause problems.
Usually the key is simply being able to explain where funds came from.

They Thought Their Spending Had Ruined Their Chances

Lots of buyers assume one or two bad habits automatically mean “declined”.

Reality is usually much more nuanced.

The BEST Thing First-Time Buyers Can Do Early

Google calculators only tell part of the story.

Real affordability is much more detailed than that.

Lots of buyers don’t realise the electoral roll can impact mortgage applications.

Small fixes early can make a huge difference later.

You don’t need everything perfectly lined up before asking questions.

Clarity early helps buyers move faster later.

Bank statements scare lots of buyers unnecessarily.

Lenders aren’t expecting perfection.

They’re looking for patterns and affordability.