
First-Time Buyers
Step into your first home with confidence. We guide you through every stage, explain your options, and help you secure a mortgage that fits your plans. From your first enquiry to getting your keys, we’re with you all the way.
A broker you can trust
Mortgage Types
Find a mortgage with ALC Mortgages, whether it's your first home, moving, remortgaging or looking for buy-to-let mortgages.
Step into your first home with confidence. We guide you through every stage, explain your options, and help you secure a mortgage that fits your plans. From your first enquiry to getting your keys, we’re with you all the way.
Thinking of switching your current mortgage? We help you review your deal, explore new rates, and manage the whole process, making it easy to save money or release funds for your next project or big plans.
Planning a move? We make sure your mortgage moves with you. Whether you need to transfer your deal or find a new one, we handle all the details and keep your move running smoothly from start to finish.
Thinking about becoming a landlord or adding to your property portfolio? Our buy-to-let mortgage service makes it simple to get started. We’ll walk you through lender requirements, expected rental returns, and the whole application process.
Why Choose Us
With deep industry knowledge, we provide clear answers and practical support, guiding you confidently through every stage of the process.
Step onto the property ladder with confidence.
We make remortgaging a simple process.
Let us handle the mortgage side of your move.
ALC Mortgages calculator
Complete the form and click “calculate repayments” to see what your monthly repayments would be.
This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you.
All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender.
You should make an appointment to receive mortgage advice which will based on your needs and circumstances
How we Work
We simplify the mortgage process, handling the complexity so you can focus on finding your perfect home.
Find out which mortgages you could qualify for with a quick eligibility check.
We look across the UK market to bring you leading mortgage and protection rates.
We handle every step of your mortgage application from start to finish.
We oversee the final steps so you can relax until your mortgage is complete.
FAQ
Explore our mortgage FAQs to learn about deposits, borrowing limits, costs, and what to expect throughout the mortgage process
The amount depends on your income, outgoings, credit history, and the lender’s criteria. Get in touch with us to find out how much you could borrow.
An AIP is a statement from a lender indicating how much you could borrow, based on basic financial checks.
Typical fees include arrangement, valuation, legal, and broker fees.
Some lenders offer mortgages for those with less-than-perfect credit, but options may be more limited. Contact us to see how we can help.
Yes, a solicitor or conveyancer is required to handle the legal aspects of the purchase. ALC Mortgages can help you find a solicitor best suited to you.
We guide first-time buyers through every stage, from checking eligibility to getting the keys. Reach out to learn how we can help you get started.