First Time Buyer

Mortgage Advice for First Time Buyers

Buying your first property can be both exciting and daunting, with dozens of mortgage lenders and hundreds of different deals available, JP Mortgages will assist you throughout the home buying process to ensure you receive the right guidance and advice.

The mortgage market is incredibly competitive and it can be hard to understand what exactly is on offer. There are many different providers and a wide range of products and rates available, some lenders offer specific First Time Buyer deals so by speaking with us we can ensure you are getting the right deal that suit your needs.

Meeting us as early in the process of buying your first home will enable you know your budget, get a Decision in Principle from a suitable lender, have an understanding of the process and how it works. This will put you in the driving seat when looking at, and potentially offering on properties. Sorting your finances out first gives confidence to Estate Agents that you know what you are doing and have been pre-approved from a lender for finance, and that you are the ‘best buyers’.

As a First Time Buyer there are never any ‘Silly Questions’, so just go ahead and ask!

Ready To Get Started?

Knowing where to start and choosing the right mortgage can be difficult. We aim to take the hassle out of finding and applying for a mortgage.

Get in touch with the JP Mortgages team for a chat and see how we can help you.

Your Home / Property May be Repossessed if You Do Not Keep Up Repayments On Your Mortgage

The information on this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

What Our Clients Say About Us

My flat took 9 months to complete due to a lease needing extending. James had to do a second mortgage application for me. He was very helpful throughout and went above and beyond what I expected. He is a very friendly person and gives honest and in-depth advice. He even helped push my lender to release funds within 48 hours so I could complete before Christmas! Thankyou James! Top service

Bex Triggs Flautist


INCREDIBLE service from James. Really helped my partner and I buy our first property (We were clueless before meeting James!). I would (and already have) recommended James to my friends colleagues. Will use JP Mortgages again when we remortgage.

Ryan Weller


Absolutely amazing service from James. He was with us every step of the way through purchasing our first property. Highly recommended!

Lauren Byrne


“To be able to run a business where the client is at the centre of everything we do makes me incredibly proud.”

James Payne - Director

Ready To Talk Mortgages?

Get in touch with the JP Mortgages team for a chat and see how we can help you.

Call us


Main Office: 01202 026 906
James Payne: 07989 578 313
Willam Harris: 07568 055 789

Email us


Main Office:
James Payne:
Willam Harris:

Our address


91 Salterns Road
Poole, Dorset, BH14 8BL
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JP Mortgage Services Limited is a company registered in England and Wales 10551102 whose registered office is situated at James House 40 Lagland Street, Poole, United Kingdom, BH15 1QG

JP Mortgages is a trade name of JP Mortgage Services Limited which is an appointed representative of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

JP Mortgages Proud Sponsor of Bournemouth Rugby Club

We are proud to be able to Sponsor Bournemouth Rugby Club, they are a great supporter of local events and having played for Bournemouth for many years James is delighted to be able to put something back and help bring on a new generation of great rugby players.