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

You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements.  You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements

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. 

Ian Harte
Ian Harte
Normally don't leave reviews, however Alex and Emily were absolutely fantastic with answering questions and handling our first mortgage application. Excellent communication with fast, professional & friendly services! Highly recommended!
Chloe Manning
Chloe Manning
Me and my boyfriend went to Alex at AL mortgage solutions after a few recommendations from friends and also some really reviews I had seen via Instagram. I had done some shopping around and messaged a few mortgage advisors but Alex got back to me so fast and answered all my initial questions. We chose to go with Alex and his team and we were so glad we did! He was there to answer all of our questions as well as sorting us the best mortgage deal even when times were uncertain with Covid. He made the process as easy as he possibly could and we we’re very happy with the service Alex and the team provided. Thanks again
Kate Crowe
Kate Crowe
I couldn't fault Alex, he support our application at every stage. He answered all my questions in a easy to understand manner and made me feel completely at ease throughout! I will absolutely be contacting him again when I need my mortgage reviewing.
James Denham
James Denham
AL Mortgage solutions was recommend by a friend and we are so glad we went ahead with them Excellent service from start to finish, kept us updated at every stage. Alex made the whole process so easy and smooth, would 100% recommend!
Rob May
Rob May
Al and the team were brilliant from start to finish. Always at the end of the phone no matter what time of day. Would highly recommend AL Mortgage solutions LTD to anybody looking to purchase a home.
Callumj17 j
Callumj17 j
Alex is a superb mortgage advisor! He is very honest, professional and also down to earth which made things so much easier. He is always available for any questions needed regarding moving house and mortgage advise. I would recommend Alex to anyone for mortgage advise and will continue to use him in future!. Thanks Alex!
Lauren Woodward
Lauren Woodward
So happy with the quality of service Alex offers, he was on hand any time I needed help or was unsure of what documents he needed. He sorted all the mortgage stress free and the welcome to your new home hamper was a lovely touch. I would 100% recommend!
Joshua J
Joshua J
Brilliant. Really worth getting in touch if you have no knowledge on mortgages as Alex is really helpful and let's you relax while he does the work. Made up I sent a message as I'm now in our new home from starting it all with him 🙂
Lisa Hill
Lisa Hill
Alex made everything easy for us he done all the hard work for us and made what didn't feel possible, possible 🙂 in just under 5 months of seeing Alex for the first time we became home owners probably sooner if we wasn't so fussy on houses. Highly recommend Alex 100% even if it just for advice he's the best person for it. Lisa & Brad thank you Alex once again.
Lynsey Young
Lynsey Young
Alex is friendly, approachable and professional. He has gone over and above on many occasions for myself and family members who I have recommended him to. Nothing is ever too much trouble and the advice he gives has been tailored to my individual needs. I can't recommend Alex and his team enough!