Buying your first home

Everyone remembers putting down roots for the first time

All of us experience many firsts in life… a first car, first pet, first job, and of course, a first home. It’s a real turning point in your life, as you officially step onto the notorious “property ladder” and have a place to call your own.

The excitement of finding your dream home usually comes with the challenge of securing the right mortgage. The two go hand in hand, but that doesn’t mean they both have to be in your hands. Let us take care of the mortgage, so you can focus on the moment you finally get the keys.

How we help

Smooth sailing from start to finish

You know that sigh of relief you take after stepping off a plane, ready to unwind on holiday? That’s precisely how you’ll feel from the moment you begin working with us. “Stressed” isn’t a word that will be in your vocabulary, as we’ll calmly take care of finding you a mortgage.

A mortgage that fits your life

By now, you’ve probably clocked that we’re called Bespoke Home Finance. But here’s the thing: it’s not the mortgage that’s bespoke… it’s you. Your mortgage needs to fit you, not the other way around. This is always at the forefront of our minds when finding you a deal that’s free from any restrictions or third-party ties.

Understand your options with confidence

It isn’t about us doing the talking. You’re encouraged to ask questions, big or small, and learn things along the way. Yes, we’re mortgage advisers, but we also want to empower and educate people about mortgages, especially first-time buyers who haven’t been through this before.

Chat about life, not just mortgages

You might not be quite mortgage-ready yet, and that’s okay. Whether you have a lower deposit than required or a few bumps on your credit record, we’ll put a plan in place. From getting on the electoral roll to tidying up your credit cards and building a larger deposit, we’ll guide you through the steps.

Your questions, answered

Got questions for us? Excellent, because we love answering them. People at all stages of the home-buying journey come to us with many queries, so we’ve compiled some of the more frequently asked ones below.

What documents do I need to provide to my mortgage broker?

Typically, you’ll need proof of ID, proof of address, recent payslips or accounts (if self-employed), bank statements, and details of any debts or financial commitments. Don’t worry – we’ll guide you through exactly what’s needed.

How long does it take to get a mortgage?

From application to offer, it usually takes between two and eight weeks, depending on your circumstances and the lender’s timescales. We’ll help keep things moving and keep you informed every step of the way.

What are the benefits of using a mortgage broker over a bank?

A broker like us can access a wide range of lenders and deals, not just those from one bank or provider. We also offer personalised advice, help you navigate the paperwork, and support you from start to finish, increasing your chances of a successful application.

See all FAQs

Our clients say...

The best way to understand the difference we make is to hear it directly from the people we’ve helped. Here, you’ll find a selection of testimonials and recent survey results that give you a flavour of how we work.

Reviews and Ratings for Financial adviser James McQuistin, Edinburgh

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Bespoke Home Finance
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