First Time Buyer

Buying your first home is a big moment - and it can feel overwhelming

At Clear Path Mortgages, our job is to make things clear, simple, and less stressful.

From your first call to the day you get your keys, we’ll guide you step by step. You’ll know what to expect, what’s required, and what your options are – so you can make confident decisions, with someone you trust by your side.

Comparison sites and banks only show you part of the picture.
They can offer their own products, but not always what’s best for your circumstances.

We’re not tied to any one lender. We compare a wide range of mortgage deals and explain the pros and cons clearly – so you can be confident you’re choosing an option that fits your budget, plans, and long-term goals.

At Clear Path Mortgages, we know there’s a lot to take in - so we’ll always take the time to explain things clearly. You’ll get honest answers, helpful guidance, and support that fits your situation - not just a list of options.

Before you start house hunting, you’ll probably want to know things like:

First Meeting – What to Expect

Before we can find the right mortgage for you, we’ll need to gather a few details — including your income (from all sources), regular spending, and any existing credit commitments like loans, credit cards, or car finance.

We’ll also look at things like student loan repayments, pension contributions, and travel costs — to get a full picture of what’s affordable and suitable for you.

Once we understand your situation, we’ll walk you through your options in plain English. You’ll know how each one works and what it means for your budget — so you can make informed decisions with confidence.

At Clear Path Mortgages, you’ll deal with a qualified adviser with over 10 years’ experience — and get clear, personal support from day one to completion.

Applying for Your Mortgage

Once we’ve reviewed your details and completed the necessary checks, we’ll help you apply for a mortgage that fits both your needs and the lender’s criteria. This includes checking affordability, eligibility, and suitability.

The first step is a Decision in Principle (DIP) – also known as an Agreement in Principle (AIP). This is where we apply for initial pre-approval from a lender. It gives you an indication of how much you may be able to borrow, based on your personal circumstances. The DIP includes a credit check and is typically valid for up to 90 days.

You’ll also need a solicitor to handle the legal work, submit offers, and manage contracts. If you don’t already have one, we can put you in touch with trusted solicitors we’ve worked with before — so you’re ready when the right property comes along.

Once your offer is accepted, we’ll take care of the full mortgage application and keep both you and your solicitor updated throughout the process.

Protect What Matters Most - Your Home and Family

Our Approach to Protection

We don’t believe in one-size-fits-all cover. At Clear Path Mortgages, we take the time to understand your needs before making any recommendations.

Here’s how we work:

We start with you – your income, monthly commitments, and family setup
We explain your options – clearly and simply, with no jargon
We review a panel of providers – to find cover that fits your circumstances and budget
We focus on what matters – helping you choose protection that supports your mortgage and long-term goals

Why It Matters

Your mortgage may be the biggest financial commitment you ever make — and it’s worth protecting. If something unexpected happens, the right cover could help keep your home secure and your family supported.

We’ll also look at any existing protection — like employer sick pay, death-in-service benefits, or standalone policies — and identify if anything’s missing.

We’ll help make sure your cover is set up correctly from the start, so if you ever need to claim, everything’s ready when it matters most.

You can find out more about the types of cover available in the Protection section of this website.