Mortgages for First Time Buyers

We are a local Liverpool based Mortgage Broker with full access to the whole market and exlusive low rate offers from all the major lenders. If you’re looking for first home then we can help you get the best mortgage.

Experienced Mortgage Broker
Free Initial Consultation
Local Liverpool Based Company
Expert Mortgage Advice
Fully Regulated & Experienced Brokers
Telephone or Face to Face Appointments
5 Star Rated Broker

Book a Free Consultation with one of our Expert Mortgage Brokers

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Mortgage guide for first time buyers

When you’re looking to buy a house there are some fundamental things you need to consider. It can also be an extremely long-winded process, from when you start looking at houses, to when you’re finally in your new home.

The following 6 steps walk you through the whole process and give you some helpful hints and tips along the way. Remember there can be other complications through the process and that’s why it’s so important to use an experienced mortgage broker. We don’t only help with your mortgage but we will help with everything else too.

Step 1 - Investigate your options

Speak with a Mortgage Broker to find out:
What are the costs of moving or buying?
How much you can borrow?
How much you can buy for?
How much your monthly repayments will be?
Get an Agreement In Principle from your AL Mortgage Broker.

Step 2 - Find Your Dream Home

This is the fun part. Get yourself out there and view as many properties as you can…
Arrange viewings with Estate Agents
Negotiate on the property (don’t forget to start low. You can always go up but you can’t come down)
Agree a deal with the seller

Step 3 - Time to Apply

We will give you advice and submit all the applications on your behalf.
Apply for your mortgage and protection
Instruct your solicitors – we can help put you in touch with a local solicitor we work closely with to ensure everything runs smoothly
Your Mortgage Broker will send off all your documents to the lender for them to review


Step 4 – Mortgage Offer

The importance of dotting the i’s and crossing the t’s. Make sure there isn’t a stone left unturned. Once your survey has come back and documents accepted form the lender, a full mortgage offer will be produced
We will review your mortgage and protection arrangements with you to make sure you’re happy with everything.

Step 5 - Exchange Contracts

This is a vital part of the process and it’s all legally binding. We will help you get to this period as quickly as possible.
Before you exchange you’ll need to sign a mortgage deed, a contract and a transfer of equity form
This is when your deposit is lodged with the solicitors and it becomes legally binding… Time to relax!

Step 6 - Completion

This is the most existing part of the process… Time to take the first walk in your lovely new home!
This will usually happen a week or so after exchange however, it might be longer depending on others in the chain or if it’s a new build
Time to pick up the keys, put the kettle on and have a cuppa in your new home!


Our Mortgage Products

Read more about the different Mortgage products we can offer. 

Moving Home

A stressful time for buyers and sellers, AL Mortgage Solutions take the stress away from the Mortgage aspect of moving home.

Mortgages for moving home


If you are approaching the end of your fixed term or simply just want to switch your mortgage for the best rate, we can help you.

Remortgaging your home

Buy To Let

Buy to let Mortgages are increasingly popular with investors choosing to buy property rather than saving with low interest bank rates.

Buy to let mortgages

A Personal, hassle free aprocess.

“We know the stress and hassle surrounding buying a new home, retmortgaging your existing home or making your first step onto the property ladder. Our team do everything we can to take that stress away to help you enjoy your new home.

With a personal approach for each of our customers with your own dedicated mortgage broker to answer any of your questions and provide you with the support to ensure a seamless Mortgage application and funding process. “

Alex Leppert

Owner & Mortgage Broker, AL Mortgage Solutions

What our Customers Say

Don’t just take our word for it, read what our fantastic customers have to say about their experience with AL Mortgage Solutions. 

neave brennan
neave brennan
Such an amazing service and team ! Made a stressful time so relaxing and no question felt too silly to ask ! Would 100% recommend AL MORTAGE 👍🏾
Emma Hanson
Emma Hanson
Victoria is a wonderful adviser! She really explains everything and has helped me so much. She made sure I have the right life policies in place as other advisers in the past didn’t even bother talking to me about it. Thank you so much Victoria 😊
Shaun Coakley
Shaun Coakley
Everyone we dealt with was great throughout the process of buying our first house. Explained everything clearly and they were always there to answer any questions, even after the purchase was done. When things started to move fast through the process Alex was happy to give us a phone appointment even though he was abroad on holiday. Couldn't be happier with the service we received and can't recommend them enough!
Charlotte Davis
Charlotte Davis
Alex and his team are brilliant. Navigated us through 2 of the most challenging years of our lives and as attempted to sell our home and buy a bigger property. We hit hurdle after hurdle with circumstances that were beyond our control but Alex and his team were always the calm we needed when we need to change budget or lend more money. They made the entire process of applying for and getting approved for a mortgage stress free and were also flexible and very patient when we asked questions. Thanks for all you do! Highly recommended. Posting this as we did our house warming this weekend.
Paige Wilson
Paige Wilson
10/10 service and would 1000% recommend. We contacted Al Mortgage Solutions last year on a whim to get a better understanding of our circumstances. Alex sat down with us and went through everything, we came out of the meeting with no questions unanswered and ready to start looking for our first home. Our offer was accepted three weeks later and we completed 6 months after that. It's been a longer process than we would of liked but Alex and his team have been on hand through out the whole process to answer all of our questions no matter how stupid or small. Alex and the team are simply amazing, I'm sure Beth is was sick of hearing my voice and seeing my name pop up! We honestly couldn't recommend these enough. Thank you all so much! Paige and Paul.
Jake Nuttie
Jake Nuttie
Excellent service that made re-mortgaging effortless. Alex kept us up to date at all stages and ensure we understood everything, ensuring we got the deal that was right for us and offered us the best value. Sarah arranged life and critical illness cover which again was effortless and now gives the confidence that all aspects are protected. 10/10 fantastic service, would highly recommend.
Alina Dragan
Alina Dragan
This people are the best. I called them many times , for different reasons, and always I got the best advice, and they helped me at all the time. I recommend them 100% .
Holly Fearon
Holly Fearon
My partner and I are first time buyers and contacted Alex back in Nov last year after a recommendation from a friend. We had recently moved back from Australia and found out that we had a little one on the way, so buying a house was a huge priority. Having been abroad for 4 years we were told by multiple banks that getting a mortgage would be difficult which is why we contacted Alex. I cannot recommend Alex and his team enough, they where all so helpful and really did their research to find us a lender so we could buy a home for our growing family. Absolutely excellent service and I would highly recommend AL Mortgage solutions for anyone looking to buy a home. Thank you all so much :)
Conor O'Dea
Conor O'Dea
This is our 3rd mortgage/remortgage now with Alex and the team and as always can’t fault their service. This time round as well Alex stayed on late to get everything over the line for us as the lender announced a rate increase with 12 hours notice. Safe to say Alex got us the cheaper rate boxed, much appreciated as always going that step beyond!!
freshpander man123
freshpander man123
Excellent service, responsive and friendly