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

Mortgage Specialists for First Time Buyers

Buying your first home is very exciting, however, it can be a daunting experience. If you are a first time buyer the likelihood is you have spent the last few years saving towards a deposit.  The next step of selecting the right mortgage is very crucial.


Starting your mortgage journey

It is very important to get the right advice before you start your property search. Your mortgage advisor will review many different factors including your income and spending habits and decide upon a realistic budget to put towards your new home.

What do I need for my mortgage?

Below is a summary checklist to what you will need to obtain a mortgage.  We advise you get all these together before embarking on this journey. If you have any questions at any stage simply give us a call.

RSC New Homes Mortgage Documentation

Top tips to boost your mortgage chances

The biggest fear when applying for a mortgage is rejection.  We can help decrease this fear by applying for the right product and making sure everything is perfectly in place before the application is processed.

Lenders will check on affordability and, credit to assess your chances. During the process you will undergo several credit checks.  There are no quick fixes to boost your credit score, however, some of tips below will certainly lower the risk of rejection.

RSC New Homes Tips for Mortgages

The three most suitable mortgage types

What happens next?

Once you have agreed with you advisor on the best mortgage for you, your application will be sent to the lender for review. If successful, you will receive a mortgage in principle as a statement from the lender quoting the amount you have been offered to purchase your new home. 

Know your additional costs

Avoid the surprise of hidden or forgotten costs.  Our advisors will give you a full breakdown of what to expect. This can include the following.

Get in Touch

Speak to one of our dedicated team of advisors to discuss your options.


If we arrange a mortgage on a property from one of our associated new homes developers we will waive our fee, otherwise there may be a fee for mortgage advice. The actual amount you pay is dependent upon the amount of research and administration that is required and a typical fee is £395 which would become payable on application. We will also receive commission from the lender in addition to any fees you pay.

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RSC New Homes Ltd, Unit D, Hercules Business Park, Bird Hall Lane, Cheadle, England, SK3 0UX

Telephone: 0161 486 6278

RSC New Homes Ltd Registered Address: Unit D, Hercules Business Park, Bird Hall Lane, Cheadle, England, SK3 0UX

Registered in England and Wales. Company number 8415945

RSC is a trading name of RSC New Homes Ltd who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Limited. First Complete Limited is authorised and regulated by the Financial Conduct Authority.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

The Financial Conduct Authority does not regulate all Buy to Let mortgages.