Helping First Time Buyers in Teddington Since 1995

Buying your first home is a major milestone – and it can feel overwhelming. But with the right support, it doesn’t have to be. At FPG Mortgages, we’ve helped thousands of first time buyers across Teddington, Middlesex, and South West London take confident steps onto the property ladder.

As your local, independent first time buyer mortgage advisor, we’ll guide you through the entire process – from working out your budget to picking up the keys.

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How Much Can I Borrow as a First Time Buyer?

One of the first things we help you establish is your borrowing potential. Whether you’re applying alone, with a partner, or with a guarantor such as a parent or family member, we’ll walk you through what lenders are likely to offer based on your income and circumstances.

Once you know how much you can borrow, the next key question is: what will your monthly repayments look like? As a trusted mortgage broker, our job is to ensure that any mortgage we recommend is not only competitive – but also affordable.

We take the time to explain how repayments are calculated, so you know exactly what to expect and can move forward with confidence.

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Navigating Thousands of Mortgage Products – The Smart Way

The mortgage market is full of choice – but not all products are created equal. Some are tailored for first time buyers, offering incentives like low deposits or cashback. Others may look attractive on the surface but include fees or limitations that don’t suit your situation.

As an independent mortgage brokerage, we have access to around 3,500 products across the whole market. We’ll assess your income, credit history, outgoings, and visa status if applicable, and shortlist the lenders best matched to your profile.

We’ll even speak to those lenders in advance on your behalf, presenting your case and securing an Agreement in Principle – a vital early step that confirms your borrowing eligibility with a soft credit check.

Local, Qualified Mortgage Advice You Can Trust

We’re proud to be a qualified mortgage brokerage based right here in Teddington. Many of our team have been first time buyers themselves, so we understand the worries and questions you might have.

You’ll never feel rushed or left in the dark. From the very first call, we’ll help you get a clear understanding of what’s involved in buying your first home – from deposits and stamp duty to surveys and solicitors.

Clients from across Middlesex and South West London trust us because we take the time to explain, support, and advise at every step. We don’t use jargon, and we don’t pressure you into anything.

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Your First Time Buyer questions, answered

What is an Agreement in Principle?

An agreement in principle which is the same as a decision in principle or mortgage in principle is essentially a provisionally approved mortgage from a lender after they’ve taken your finances and credit profile into account.

In most cases the lender will issue a certificate which provisionally confirms your eligibility and borrowing potential, which is essential before starting your property search.

How can I improve my credit score?

Your credit profile is an important factor when looking to apply for a mortgage, especially for first time buyers looking for a high loan to value mortgage.

Make sure you don’t miss any payments on any loans, credit cards, bills and the like.
Keep your overall credit utilisation below 50% on your credit, or simply put, don’t frequently max out your credit cards and try to maintain a reasonable amount of credit usage.
Check that you’re on the electoral roll at your current address.
If you’re worried about your credit profile, contact us and we’ll talk you through your options.

Why should a first time buyer use a mortgage broker?

There are numerous reasons why you as a first time buyer should use a mortgage broker:

We can help you find the most cost effective mortgage deal for your first purchase and any mortgage needs you may have in the future.
We take care of the whole application process on your behalf, from start to finish, so you don’t have to lift a finger.
We will provide ongoing support throughout the overall process, answering any questions you may have along the way.

Reach out to us via email or phone to hear about the many ways in which we can help you.

Ready to Take Your First Step?

We’re here to support first time buyers in Teddington, Middlesex, and South West London with mortgage advice that’s personal, practical, and clear.

Tell us about your plans – and let’s take that first step together.