Expert Mortgage Advice
for First-Time Buyers

Help to Secure Your First Home

How Much Can I Borrow?

Your level of borrowing is based on several factors including earnings and savings, along with your outgoings and debt repayments.

Read the Guide

Can I Get ‘Help-to-Buy’?

Find out if you are eligible for a range of help-to-buy schemes from different lenders by talking to an advisor about the best solution for you

Help to Buy

Calculate Your Repayments

Monthly repayments are based on how much you borrow, the tem of your mortgage and the interest rate. Try our first-time buyer UK mortgage calculator.


The Benefits of Using a Mortgage Broker

Expert Financial Advice

Clear, concise and, most importantly, advice to put you in the driving seat when it comes to choosing a first-time mortgage. If you have bad credit, you will undoubtedly need a mortgage broker as High Street lenders generally only consider the cleanest of applicants. This is where we excel and can assist you in finding the best mortgage solution.

Access to a Wider Market

We are a personable mortgage broker based in Merseyside specialising in many areas of the mortgage market. Our network ensures we find you the best deal possible.

We Take Care of Your Mortgage Application

It can be a daunting process but we ensure you receive clear and knowledgeable guidance through the mortgage application process. As the biggest purchase you ever make, it's essential to have trustworthy advice.


JB Financial Solutions Ltd is authorised and regulated by the Financial Conduct Authority (FCA).
Our FCA number is 531615.

Help-to-Buy Mortgages

First-time buyer morgages

Help-to-Buy Mortgage Eligibility

There is an abundance of help to buy mortgages lenders in the market, either on the High Street or through mortgage specialists. This includes lenders offering help-to-buy mortgages for applicants with bad credit, an area in which we can provide specialist help. Don’t be disheartened if you fall into the latter category, there is often a solution that will work for you.

Buying a Home

Help To Buy Mortgage Proccess

There are two parts to the process. Firstly, mortgage eligibility and help-to-buy mortgage calculation, secondly, the assessment that needs to be completed for the Government equity loan that forms a key part of a help-to-buy mortgage. In some cases, you may need a specialist Help-to-Buy agent to assist with this, however, we are experienced in this process and can help you with this part too.

We're Here To Help

The Help to Buy scheme enables people to get on the property ladder. Our straightforward approach means you get the most out of the scheme.

How Much Can I Borrow?

mortgage borrowing calculator

Your Financial Status

Every bank or lender uses its own process to calculate how much a consumer can borrow but this is generally based on a few factors:

Income + Spending

Basically, the amount you earn and the amount you spend, including personal finance commitments such as loans and credit cards.

Amount of Deposit

A deposit of 10 -20% is generally considered the benchmark to secure a favourable mortgage deal and avoid other penalties.

Credit Rating

Credit rating can play a big part in the lender's decision. Higher credit scores, above the 850 mark, offer opportunities for better mortgage terms.

Your Lender

The amount you can borrow on a mortgage in the UK is typically 3 to 4.5 times your income, when calculated against your outgoings:

Joint Applications

Joint income mortgages are available for both married couples and partnerships. Tenancy agreements define the share in the ownership.

Bad Credit

For consumers that have previously experienced bad credit, there are still options to pursue though rates may be higher. 

Mortgage Decisions

We advise obtaining a mortgage in principle offer from a lender which is a good indication of your borrowing level before submitting a full mortgage application.

how much will they lend

Mortgage Calculator

Understanding your monthly financial commitment is a hugely important part of the mortgage application process. Use our mortgage repayment calculator to work out what your monthly repayments are likely to be based on the amount of money you will need to borrow, the interest rate and the term of the mortgage.

Please Note: How much you can borrow will depend on income, expenditure, credit status and the level of deposit. To understand how much you will be able to borrow please visit the mortgage calculator page

Get in Touch

Please note: This calculation is a guide to how much your monthly repayments would be. The exact amount may vary from this amount depending on your lender's terms.

Speak to us today for jargon-free mortgage advice

We are an mortgage advisor based in Southport and covering Merseyside and Lancashire. We work with clients across the region, including Liverpool, Manchester, Bolton, Preston, Wigan and St Helens, and sometimes further afield depending on the project.

Call Us: 01704 539492

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JB Financial Solutions Ltd is authorised and regulated by the Financial Conduct Authority (FCA).
Our FCA number is 531615.