Trusted Financial Advice

About
- About TFA
  Who we are and how we provide sound financial advice to families and businesses
- Our People
  Meet the managers, finance specialists and advisers who comprise the TFA team
- Corporate Responsibility
  Find out about TFA’s charity support, fundraising events and community sponsorship
- Partners and Resources
  Meet our recommended affiliates and find links to useful information sources online
- Join Us
  View the latest career opportunities for financial and mortgage specialists with TFA
Mortgages
- Our Mortgage Advice
  Independent expert guidance to find the best available mortgage product to suit your needs
- First Time Buyers
  Friendly advice on choosing the right mortgage and securing the finances for your first home
- Remortgaging
  Helping get you the best deal on the market when by switching to a new mortgage product
- Moving Home
  Review your current mortgage arrangements and get the best deal for your new circumstances
- Buy to Let & Specialist Mortgages
  Mortgages for rental properties and other non-standard mortgage products
- Life Insurance & Protection
  Advice on getting the right policy to cover your mortgage and protect your family
Family
- Our Family Advice
  Expert financial guidance to help you protect your family and invest well for a bright future
- Life Insurance & Protection
  Get valuable advice on choosing the best life insurance or mortgage protection policy for your family
- Children’s Investments
  Advice on choosing the best tax-efficient investments to provide a boost for your children’s future
- School Fee Plans
  We can guide you in choosing the right investment to save in advance for school or university fees
- Estate Planning & Protection
  Protect your assets in life and plan well to ensure your family benefits fully through inheritance
Wealth
- Our Wealth Advice
  Expert guidance on investments and money management across your whole financial life
- Estate Planning & Protection
  Be in control of how your estate or business assets are protected now and distributed in the future
- Investment Advice
  Guiding you in developing a financial planning strategy to protect and enhance your wealth assets
- Pensions & Retirement Planning
  Helping you to navigate your private pension and investment options for security in later life
- Business Advice
  Get expert guidance with business financial planning to optimise your management of wealth
Business
- Our Business Advice
  Astute financial planning to protect your business and lay the foundations for a successful enterprise
- Workplace Pensions & Auto-Enrolment
  Advice on employers' responsibility for auto-enrolling staff into pension schemes
- Directors Pensions
  Expert guidance on setting up tax-efficient directors’ pension schemes
- Partnership, Shareholder & Key Person Protection
  Prepare your partnership or private company for all eventualities with appropriate life insurance
- Employee Benefits
  Navigate your options for employee insurance policies, pensions and salary sacrifice packages
News & Insights
- Latest News
- Insights & Guides
  Search through our collection of guides for valuable articles on a wide range of financial topics
Contact

First Time Buyers

Buying a house is often a complex and confusing process, whether you have been through the process before or not. And if you’re buying a property for the first time, it can feel even more daunting. Securing the right first time buyer mortgage and getting your finances in order is crucial. But it's not always the easiest thing to do.

At TFA, we understand how stressful it can be. Our independent advisers will take you through the entire process step by step. They explain your options in jargon-free language and help you chart the best way forward.

They can help you set your budget for your first home and identify the level of deposit you will need. If you’ve already set your budget and found your prospective home they will help you identify what level of deposit you will need and whether you have saved enough.

Our advisers will take you through a straightforward process to understand how much you can comfortably borrow. Plus, they will explain how your credit score will affect this.

They will demystify how mortgages work and show which ones are available to you as a first time buyer. Plus, they will ensure that you get the most appropriate mortgage for your requirements and circumstances. By using our advisers you will have access to mortgages that are not available to first time buyers via the high street or internet.

Our advisers will also explain how best to protect you and your property against unforeseen circumstances that might otherwise result in you being unable to maintain your mortgage repayments. Being independent, our advisers will research and source the most appropriate protection products for you.

As with all our advice we will notify you of our charges up front, and should these charges change, we will notify you in writing. Our mortgage advisers will manage your application from start to finish saving you time and simplifying the process. Please contact us to discuss your mortgage requirements and let us help you buy your first home.