Specialist mortgage solutions for first-time buyers with complex or variable incomes — bonuses, dividends, self-employment, overtime, or multiple sources.
We partner with specialist lenders and private banks to help you navigate challenges, maximise borrowing power, and step confidently onto the property ladder.
Call Us HereBuying your first home should be exciting, not expensive. At Well Financial, first-time buyers never pay broker fees for our mortgage advice or support. From your first question through to getting your keys, we provide access to thousands of mortgages, personalised guidance, and expert application management – completely free.
No Broker Fees for First-Time Buyers
We think it's hard enough for people to get on the property ladder as it is, and we don't want to deter you from getting great, quality advice when you need it most
Rated 5 star Service
Comprehensive First-Time Buyer support
Transparent pricing
Access to Thousands of Mortgages From Over 100 Different Lenders
We search thousands of mortgage products across more than 100 different lenders to find you the most competitive rates and terms. Unlike going direct to a single bank, we compare deals from dozens of lenders to ensure you get the best possible mortgage for your needs.
Expert Mortgage advice: Whole of market search and professional recommendations based on years of knowledge and experience.
Property Value Guidance: Ensure you don't overpay for your home.
Offer Strategy Support: How to structure competitive offers.
Complete Coordination: We arrange Insurance, Solicitors and Surveyors.
Ongoing Support: Your dedicated adviser throughout the process
Ready to understand how we can help?
Book your free consultation to discuss our service.
Step 1: Free Discovery Call: A no obligation consultation where we understand your needs and clearly explain our service.
Step 2 : Mortgage Preparation & Agreement in Principle: We help you gather documents and secure an Agreement in Principle, establishing you as a credible buyer with a clear budget.
Step 3: Property Search and Expert Guidance: We provide ongoing support as you search, offering guidance on property values and offer strategy to ensure you make smart decisions.
Step 4: Full Application and Professional Management: We handle the complete mortgage application, presenting your case professionally to secure the best possible terms.
Step 5: Seamless Completion Co-ordination: We manage all parties through to completion, ensuring a smooth process with regular updates via your preferred communication mehtod.
Transparent from the start
Clear explanation of how we work.
Comprehensive Service
More than just mortgage advice - complete home-buying support.
5-Star Rated Team
Join hundreds of satisfied clients who rate our service excellence
Long-Term Partnership
We're here for your entire mortgage journey , not just the first one.
One Adviser from Start to Finish
You’ll work with a dedicated expert who knows your case inside out ensuring consistency, trust, and tailored advice.
Smart Tech, Seamless Process
Enjoy a streamlined experience with our secure online portal - upload documents, track progress, and stay informed every step of the way.
A: Yes, absolutely. We never charge first-time buyers for mortgage advice or broker services. We think it's hard enough for people to get on the property ladder, so we’re committed to ensuring you get great, quality advice when you need it most.
A: No. Our advice and support remain free throughout the entire process. You'll pay normal homebuying costs like solicitor fees and surveys, but you won't pay us a broker fee at any stage.
A: Absolutely. Your initial consultation is completely free and without obligation. Many first-time buyers start by exploring options 6–12 months before they’re ready to purchase.
A: We work with first-time buyers in all situations, including those with smaller deposits, student loans, or past credit problems. Our access to thousands of mortgages means we can often find solutions where high street banks cannot.
A: From initial application to mortgage offer typically takes 2–4 weeks, though this varies by lender. Your adviser will provide realistic timelines and keep you informed throughout.
Well Financial Limited is an Appointed Representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales no. 14517142.Registered Address : Unit 15E Field House, Lancaster Way, Business Park Airfield, Earls Colne, Colchester CO6 2NS Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
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