Make the budget practical
Include buying costs and ongoing bills alongside the mortgage payment.
Jack Cousins · First-time buyer mortgages
Your first set of keys starts with a conversation.
Buying your first home brings plenty of questions. Talk through the deposit, monthly budget, buying costs and next steps with Jack.
07456 935677 · jack@lockhartmurphy.com
Mortgage and protection advice is provided through Mortgage Force (UK) Ltd. Scope, eligibility and any fees are discussed before proceeding.
Your home or property may be repossessed if you do not keep up repayments on your mortgage or other loans secured upon it.
A useful starting pointPut the right details
Put the right details
on the table.
Begin with an outline. Jack will explain what needs a closer look and which documents would be useful next.
Explain the deposit
Discuss savings, family gifts and any evidence that will be needed.
Get the file ready
Prepare income records and credit information before progressing an application.
Meet your actual adviserNo AI mortgage advice.
No AI mortgage advice.
Just Jack.
AI made the puppet. Jack does the mortgage advice. Bring your questions; we’ll talk through the next step.
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Your next stepTell me where
Tell me where
you’re starting.
A short outline is enough for the first conversation. Please leave out passports, account numbers and sensitive documents.
Useful things to have in mind
- Income evidence
- Deposit statements and any gift details
- Regular commitments and living costs
- Property price and buying timescale
Jack Cousins
Head of Mortgages
Lockhart Murphy
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Can family help with my deposit?
A gift may be acceptable, subject to lender requirements. The donor, source of funds and whether repayment is expected must be explained.
There is no promise of a mortgage, rate or timescale. Each case depends on the lender’s assessment and the complete circumstances.
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