First time buyer mortgages, start your journey here...

Gain access to thousands of first time buyer mortgage deals

First Time Buyer Mortgages…

No obligation, fast & experienced

We can help with arranging your first time buyer’s mortgage. We remain with you throughout the entire home buying process from the beginning to the end making the process as clear and easy as possible for you.

As a first time buyer our initial conversation will involve a review of your borrowing capacity so we can establish how much you can borrow, we will review your deposit options and perform a review of your credit score if required. We will be able to explain the monthly mortgage costs and interest rates available to you. We have access to 1000s of mortgage products and we will be able to source suitable mortgage options tailored to your needs.

Your home may be repossessed if you do not keep up repayments on your mortgage. We offer a comprehensive range of first charge mortgages from across the market that are made available to mortgage intermediaries for which we are paid a procuration fee by the lender.

Stewart Douglas is a mortgage broker based at Constantia Wealth and Finance which is a Partner Practice of St. James's Place Wealth Management PLC. Stewart assists a diverse range of mortgage clients including home movers, first time buyers and landlords.

Your home may be repossessed if you do not keep up repayments on your mortgage.

No obligation, fast & experienced


First time buyer mortgages available with a 5% deposit. (Sometimes there are 100% mortgages available too, please contact us to find out more) Subject to availability and individual circumstances

We handle the entire mortgage application process, including its submission to the mortgage lender and all associated mortgage paperwork, as well as managing follow-ups with the mortgage provider, all of which translates to time, stress, and hassle-free savings for you

The Mortgage Process

Review Your Mortgage Options

We provide mortgage advice from a comprehensive range of mortgage lenders.

Explain The Moving Process

We will explain the home buying process to you.

Review Your Expenses

We ensure the mortgage is affordable, by reviewing your expenses.

Buy-To-Let Mortgages

Your trusted partner in buy-to-let mortgage help

Access To The Best Interest Rates

No obligation mortgage advice

Mortgage Advice

Regulated mortgage advice

What Is An AIP?

Discover the meaning of an AIP

Review Your Deposit

We ensure the mortgage is affordable, by reviewing your expenses.

Review Your Credit File

If necessary we will provide advice about your credit file.

Review Your income

We thoroughly examine all the required income documents.

Comprehensive Range Of Mortgages

Gain access to mortgage deals

How To Apply

Find out how to apply for a mortgage

First Time Buyers Guide

Discover the mortgage basics

How Much Can You Borrow?

Find out how much you can borrow

Comprehensive Range Of Mortgages

Gain access to mortgage deals

Beat The Rate

Already have a mortgage deal, can we beat it?

Contact us for a no obligation, confidential enquiry.

Regulated mortgage advice

No Obligation, Fast And Professional

Confidential, mortgage advice

Contact Us Today For A No Obligation Mortgage Assessment

Make A No Obligation, Confidential Enquiry Today ...

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Opening Hours

Monday - Friday: 9am - 8pm

Saturday: 9am - 5pm

Sunday: Closed