How To Get Started
Online Mortgage Finder​
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The Mortgage Finder is designed to save time spent on the phone. You can provide us most of the information we need in your own time and then we can just check over the information provided.
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The internet is not a secure medium and the privacy of your data cannot be guaranteed.
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FIRST TIME BUYER GUIDES & TIPS
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The internet is not a secure medium and the privacy of your data cannot be guaranteed
Why use Turnstone Mortgages over going direct to a bank?
AWARD WINNING FEE FREE impartial advice
Compare rates & criteria from over 50 lenders, not just one bank
Quick Mortgage in Principle in minutes
Find out which banks can lend you the most with one call
No long-winded appointments or paperwork. 20 minutes of your time is all we need
Help with Solicitors right through until you get they keys
If you have complex circumstances, our brokers have in depth knowledge and can advise on the best mortgage available to you
Being on the electoral role is a big tick for many lenders; more so if you are a first time buyer with limited credit history, borrowing for the first time, as it can greatly improve your credit score with the lender.
Often first time buyers live in rental properties and move more often than most, meaning they leave bank accounts, credit cards and things like pay slips registered to their parents or previous address. Getting your documents all updated and accurate will make the mortgage process easier and quicker. It is important that this is already done at the point of application; otherwise lenders may have problems identifying you, which can delay things and even affect your credit score.
Along with the mortgage payments you will need to budget for other outgoings such as utilities, council tax, transport cost and insurances.
If this is your first time living on your own, it is important to consider monthly food and basic living costs and even allowing enough money to furnish your new home.
You will need a minimum of a 5% deposit based on the purchase price of the property; typically the bigger the deposit, the better the interest rate. Gifts from family members are normally acceptable providing they are happy to sign a “gifted deposit letter”.
Speaking with an adviser will help you work out your limitations and provide you with the information crucial to buying your first home. Remember our services at Turnstone Mortgages are no obligation and completely free from start to finish!
For my first time delving into mortgages and home buying, I could not recommend anyone more so than Tyler at Turnstone Mortgages.
Unbelievably professional, courteous, friendly, and incredibly informative. These are just a taste of what to expect from the service at Turnstone Mortgages.
Tyler is a delight to work with and made the whole process a breeze.
Thank you so much, Tyler for the stellar service!
Josh Dann
AWARD WINNING ADVICE
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We are proud to have won several awards for our excellent service standards.
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OVER 50 LENDERS
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In addition to the main high street banks, we consider many specialist lenders and exclusive deals you won't find elsewhere on the market.
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FEE FREE
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Award winning advice doesn't have to cost a fee. We will never charge you a fee for our advice or service, free from start to finish.
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TELEPHONE / ONLINE BASED SERVICE
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We know you are busy and don't have time for lengthy appointments or home visits. our services are available via telephone or online, this way we can act quickly and efficiently, without charging a fee.
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SIMPLE & STRESS FREE
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We take care of the whole application right through to you getting your keys, let us do all the paper work and leg work so you know you can sit back and relax.
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HELPING YOU MAKE THE FIRST STEP​
If you are looking to purchase your first home then the first step is to speak to a qualified mortgage adviser. After filling out our online form or following a quick phone call with one of our friendly advisors, we can let you know how much you should be able to borrow, what sort of rates and monthly payment you should expect, along with more detailed information on the buying process and guidance on how to prepare for the mortgage application.
After this initial stage we can send you a certified decision in principle, this way you can start making offers to estate agents to secure your dream home.
Mortgage rates and deals change daily, so once your offer is agreed we can then search the market from over 16,000 deals to find you the best deal. We will submit your application to the lender and manage the whole process for you from start to finish.
Once you get your mortgage offer, our service doesn’t stop there. We will continue to offer advice and support and will liaise with your solicitor right through to the day you pick up the keys!
Tyler went the extra mile at every opportunity. Helping us with both the difficult decisions/understanding the bombardment of jargon, as well as answering our often novice property or mortgage questions. I will be recommending Turnstone to everyone I can going forward. The whole process was a pleasure in the face of what was expected to be adversity and stress.
Keegan Cooper
