Mortgages for first-time buyers and home movers
Clear, tailored mortgage advice from your first appointment right through to completion, from a local team in Newbridge.
Mortgaging, made easy
Whether you are buying your first home or moving on, we guide you through every step and do the heavy lifting for you.
We help with the paperwork, keep things moving with the lender and solicitor, and keep you updated so you always know what happens next.
We are happy to visit you at home. Our advisers live local to Abergavenny, Bargoed, Brecon, Bridgend, Bristol, Cardiff, Cwmbran, Newport, Swansea, Tredegar and Usk, and are willing to travel further if required.
There may be a fee for mortgage advice. The precise amount will depend on your circumstances. You will be told before any application what, if any, fee will be charged. Initial consultations are free.
What our mortgage service covers
One joined-up service, from working out your budget to collecting the keys.
A realistic budget
We look at your income, outgoings and deposit to work out what you can comfortably afford.
The right mortgage for you
We compare options from a wide range of lenders and explain why we recommend the one we do.
Property valuation
We help you understand the lender's valuation and what it means for your borrowing.
Application and offer
We prepare and submit your application and keep you updated until your formal mortgage offer arrives.
Conveyancing referral*
We can source a conveyancer for you, often for less than going to a solicitor direct.
Completion and beyond
We stay with you to completion, then help you review your mortgage when your deal ends.
*All legal and conveyancing work is referred to a specialist, as Bright Financial Affiliates is not authorised to undertake it. Conveyancing is not regulated by the Financial Conduct Authority.
Buying your first home or moving on
First-time buyers
- Work out what you could borrow and how much deposit you need
- Understand the costs of buying, including Land Transaction Tax in Wales
- Support at every step, from offer to collecting the keys
Home movers
- Plan the timing of your sale and purchase
- Check whether your current deal can move with you, and any early repayment charges
- Borrow more if you need a bigger home
What happens next
Free initial chat
Tell us what you are planning. We explain how we work, what it may cost and what you will need.
We research your options
We look at your income, outgoings and goals, then search lenders for options that suit you.
Clear recommendation
We explain our recommendation in plain English, then handle the application and paperwork for you.
Completion and beyond
We keep you updated through to completion, then help you review your mortgage as life changes.
Run the numbers first
Estimate repayments, borrowing, Land Transaction Tax and more with our free calculators.
Common questions
Cannot see your question? Ask us, there is no obligation.
Many lenders use an income multiple as a starting point, often around four to four and a half times your income, then look closely at your outgoings, credit commitments and credit history. Every lender assesses affordability differently, so we will give you a proper assessment.
Some lenders accept a deposit of 5% of the purchase price, although a larger deposit usually gives you access to a wider choice of mortgages and lower rates.
Your first consultation is free. There may be a fee for mortgage advice. The precise amount will depend on your circumstances. We will tell you before any application what, if any, fee will be charged.
Yes. If you cannot get to our Newbridge office, one of our advisers can visit you at home.