First Time Buyers in Lytham St Annes, Freckleton,
Blackpool, Poulton and Preston
whitewood Mortgages
Taking Your First Step onto the Property Ladder
Buying your first home is one of the most exciting and emotional journeys you will
take. At Whitewood Mortgages, we specialise in helping first time buyers across Lytham St Annes, Freckleton, Warton, Blackpool, Poulton, and Preston get onto the property ladder with confidence.
We know that starting the home buying process can feel overwhelming. From
working out what you can afford, to choosing the right mortgage product, to
understanding all the paperwork, it’s easy to feel unsure where to begin. That’s
where we come in. We offer clear, friendly advice and explain everything step by
step so you can move forward with confidence.
sPEAK TO MARC
Arrange a call now.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Read our full Disclaimer Here
Why First Time Buyers Choose Whitewood Mortgages
We’re based right here in Lancashire and have deep knowledge of the local property
market. Whether you’re searching for a coastal flat in Lytham, a terraced home in
Preston, or a modern new build in Warton, we’ve helped people just like you buy in
the areas they love.
Our team takes the time to understand your personal goals and financial position.
From there, we guide you through every part of the process, from your first enquiry
to picking up the keys to your first home.
Popular Areas for First Time Buyers
Lytham St Annes
This sought-after coastal town is a favourite for its scenic promenade, independent cafes and parks. While property prices are higher than in neighbouring areas, many
buyers are drawn to the quality of life and long-term value.
Preston
Preston offers excellent value for money, strong transport links and a growing economy. It’s popular with young professionals and couples thanks to its vibrant city centre, university presence and affordable housing stock.
Freckleton and Warton
These peaceful villages are ideal if you’re looking for a more rural lifestyle without straying too far from Blackpool, Preston or Lytham. Many new build developments
are attracting first time buyers to this area.
Blackpool
Known for its energy and entertainment, Blackpool is more than a tourist town. It offers a range of affordable housing, making it an attractive option for those looking
to stay within budget while getting onto the ladder.
Poulton-le-Fylde
A popular market town with excellent schools, a growing retail scene and regular transport into Blackpool and Preston. Poulton offers a great blend of convenience
and community spirit.
Not Seen Your Area?
Don’t worry if the area you are looking for isnt listed here, we will still be able to help. Contact Us for more information.
What to Expect When You Work with Us
A Clear View of What You Can Afford
We start by helping you understand how much you can borrow based on your
income, deposit and monthly commitments. We can also help you budget for other
costs like solicitor fees, stamp duty and surveys.
Tailored Mortgage Advice
With access to a wide range of lenders and mortgage products, we’ll search the
market to find a mortgage that suits your needs and affordability. Whether you need
a 95% mortgage, a joint mortgage or a guarantor option, we’ll explain your choices
clearly.
Guidance on Schemes for First Time Buyers
We’ll talk you through any government or lender schemes that may help, such as:
– Shared Ownership
– Deposit Unlock
– Lifetime ISA bonuses
– Family deposit options
– Track Record Mortgages
(based on your rental history)
Full Application Support
Once you’re ready, we’ll manage your mortgage application for you. We’ll liaise with
the lender, help you gather the right documents, and keep you updated throughout
the process.
A Helping Hand Right Through to Completion
We’re on hand to support you until you get the keys. We can recommend trusted
solicitors, surveyors and protection providers, and answer all the questions you
might not feel comfortable asking elsewhere.
Why It’s Smart to Use a Broker as a First Time Buyer
You might be tempted to go straight to your bank or a comparison site. But many of the best mortgage deals aren’t available on the high street, and it can be hard to know which offers are right for you.
As a broker, we do all the legwork and help you avoid common mistakes. You’ll get:
– Access to exclusive deals not available direct
– Advice on which lenders are most likely to accept your application
– Honest, independent guidance with no confusing jargon
– Someone who’s in your corner from start to finish
Avoiding Common First Time Buyer Mistakes
- Don’t forget the extra costs: It’s not just the deposit. You’ll need to budget for legal fees, moving costs and possibly stamp duty (depending on the purchase price).
- Don’t take the first mortgage offer: Not all lenders have the same criteria or rates. What looks good on paper might not be best for your circumstances.
- Don’t overestimate your budget: We’ll help you find a mortgage that gives you breathing space rather than stretching your income too far.
- Don’t leave it too late: Getting your mortgage agreed in principle before youstart house hunting puts you in a stronger position to make offers.
Contact us
Ready to Begin?
Whether you’re buying in Lytham St Annes, Preston, Freckleton, Blackpool or Poulton, we’d love to help you get started.
We know how important this move is for you, and we treat every client with the same care and attention we’d want for ourselves.
Disclaimer
Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Some buy to let mortgages are not regulated by the Financial Conduct Authority.
As with all insurance policies, conditions and exclusions will apply.
Whitewood Mortgages is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, Which is
authorised and regulated by the Financial Conduct Authority.
Proprietor: Marc Bennett Mortgage Broker Based in Lytham St Annes covering the
whole of the Fylde coast including Blackpool.
Mortgage Broker Blackpool
Registered Office: Whitewood Mortgages, 7 Orchard Road, St Annes-on-sea, Lancs FY8 1RY.
The Information on this website is subject to the regulatory regime and is therefore targeted at
consumers in the UK. No representations are made as to whether the information is applicable
in any other country which may have access to it.
Typically we charge an arrangement fee of £495.00, however the precise amount is dependent on your
circumstances and will not exceed 1.5% of the mortgage amount.
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Email us
marc@whitewoodmortgages.co.uk
Address
7 Orchard Rd,
Lytham Saint Annes
FY8 1RY
Call Us
01253 800 345