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It's Free to Speak to an Advisor, 7 days, 8am - 10pm
In a world where mortgages are huge financial commitments, as a first time buyer, it can be a little scary to get your process started. As a mortgage broker in Sheffield, it’s our job to take all of the stress away and hold your hand through the whole process.
It’s not just about getting a mortgage it’s about the journey and how you got there. We will make the process simple and tell you everything that is going on at all times; your mortgage advisor in Sheffield will be right by your side from start to finish.
If you can’t quite reach the minimum deposit requirement, you could take a look at utilising government mortgage schemes. These schemes were introduced to help first time buyers like yourself onto the property ladder. Book in a free mortgage appointment with one of our mortgage advisors in Sheffield to discuss all of your options, including the different government schemes available.
There is the Lifetime ISA, Shared Ownership, Mortgage Guarantee Scheme, the First Home Scheme and many more. Each one of these schemes can help you get onto the property ladder in some way. Of course, you’ll have to qualify for them first. That’s where we come in, your mortgage broker in Sheffield is here to help!
For further first time buyer mortgage advice in Sheffield and explanations of each government mortgage scheme, get in touch with our team today. Our mortgage advice in Sheffield can help you apply for a mortgage and check whether you can access any of these schemes.
Our Customers Love Us
4.95 Rating235 Reviews
Marta
I had the pleasure of working with Jason from Sheffield Money Man, and I couldn't be more impressed with the experience. From the very beginning, Jason was incredibly professional, knowledgeable, and patient. They took the time to explain every step...
2 weeks ago
Abigail
very knowledgeable, everything explained very clearly. something that sempt complicated to me was made very simple and straight forward.
4 weeks ago
Paul
Great service from start to finish always at hand if needed and quick response Thanks guys
1 month ago
Craig
This company has been absolutely fantastic to work with. I was let down by my own bank when needing a mortgage. Sheffieldmoneyman helped me get a an excellent mortgage deal with cash back! My fixed rate mortgage is due to finish and they have been...
2 months ago
Michael
Always happy to renew with MoneyMan, fast and efficient
3 months ago
Benjamin
Fantastic team, we have brokered our original mortgage through them and our remortgage. Both times the team were eager to help and ensure we got the best deal for us. Special shout out to Daniel who just did out remortgage and was very...
3 months ago
Kieran
Massive help. Charlie went above and beyond. Would highly recommend
3 months ago
Darren
Would definitely recommend Sheffield Moneyman. Took all the stress out of getting the right mortgage. Will use again when my fixed rate ends.
4 months ago
Anonymous
This is the 3rd time I've used Sheffield Moneyman & I've not been disappointed.
4 months ago
Anonymous
I have been with them for almost 10 years now, with both my residential property and a buy-to-let, and they are really great. I have mortgaged and remortgaged many times to reflect changes in the properties, their value or to take advantage of...
4 months ago
Sean
leo & stacey have been amazing helped us get a mortgage and put any worries or stress to ease highly recommend
5 months ago
Christopher
Very good service from Malcolm and Paula. Malcolm explained the whole process to me (a first time buyer), and found a good mortgage product for me. Paula then handled my application through to it being approved. They kept me informed at all stages...
5 months ago
Eleni
Both Jason Loft and Debbie Stones have provided excellent service and were very informative and supportive through all the steps of the process. I would highly recommend them for anyone looking to buy a house but don’t know where to start. 10/10...
5 months ago
Delton
Really great service discuss everything possible. Second time of using them and will use them again.
6 months ago
Rachel
Second time I have used Sheffield moneyman. They are a straightforward brokers, explain different options to you. Always keep you updated every step of the way. Would recommend this company.
6 months ago
Julie
Absolutely amazing . Helped when others weren’t very helpful even with plenty of obstacles along the way. Their knowledge of everything was brilliant. Kept in touch all the way .Honestly can’t recommend them highly enough. Thank you so much...
7 months ago
Millie
Excellent service every time!
7 months ago
Kashif
Great service from start to finish from Chris and his team. Looked after us and supported us through the whole process. They went above and beyond to get us the best deals and have been with us through every step in our journey. Can’t thank...
7 months ago
Mr Matthew
Wayne Dewsbury was very helpful from the first meeting. He managed to secure a mortgage at a lower rate than other brokers had offered. The support team were equally helpful in getting everything checked and submitted. Would definitely use UK...
8 months ago
Jake
Great service from initial enquiry through to offer
8 months ago
This all depends on your credit score. As a mortgage broker in Sheffield, we have found that first time buyers usually have a good credit score, and with a good credit score, you may be able to access better mortgage rates and be able to put down a lower deposit, e.g. 5%.
On the other hand, if you are a first time buyer with a low credit score, you may only be access lower rates and have to put down a higher deposit, such as 10-15%. Your deposit amount will also vary depending on the property that you’re looking to buy. The more expensive the property, the higher the initial deposit you’ll have to put down.
As a first time buyer in Sheffield, you can explore various mortgage options, including fixed-rate mortgages, variable-rate mortgages, tracker mortgages, and Help to Buy schemes, which provide government-backed equity loans to assist with purchasing a new build property. Different mortgage lenders in Sheffield offer different terms and rates, so it’s essential to research and compare to find the most suitable option for your financial situation and preferences. Additionally, eligibility criteria and deposit requirements can vary, so consulting with mortgage advisors and brokers in Sheffield like ourselves can help you navigate the choices and secure the right first time buyer mortgage for your needs.
Speaking with our expert mortgage advisor in Sheffield they will conduct a thorough assessment of your income and expenses during a complimentary free mortgage appointment.
Our team of experts can search 1000’s of deals tailored for first time buyers in Sheffield. This will set you on the right path towards becoming a homeowner.
Following your consultation, we will promptly secure your mortgage agreement in principle (AIP), usually within 24 hours.
Once your offer on a property is accepted, our dedicated mortgage advisor in Sheffield will take care of submitting your mortgage application and any additional documentation required by the lender.
In addition to finding the most suitable mortgage deal for first time buyers in Sheffield, our team is devoted to helping you obtain comprehensive insurance coverage to safeguard you and your loved ones financially.
Our job is to provide you with a fast and friendly mortgage advice service. We will try and find you a mortgage product perfect for your personal and financial situation.
You can book in your free mortgage appointment online by using our new booking feature. It’s quick and simple, like our mortgage advice in Sheffield!
As a mortgage broker in Sheffield, we have access to many competitive mortgage products. With over 30 lenders on panel and a great relationship with each one of them, we may just be able to find you that one in a hundred deal that you were looking for!
Our excellent customer reviews are a great representation of our service. We have built up a large number of reviews from our happy customers, take a look if you’re interested.
As a responsive mortgage broker in Sheffield, customer service is at the heart of the company, we want to make sure that you feel comfortable and secure during every step of the process.
Speaking of booking in your free mortgage consultation, we are available 7 days a week. This means that you can book in your own appointment with a mortgage advisor in Sheffield at a time that suits you best. We are also open during out of office hours, therefore, you can book in before or after work.
If you are struggling to work out how much you can borrow, you can either get in touch with one of our mortgage advisors in Sheffield or get a rough estimation by using our affordability calculator.
Depending on various factors, such as your income and earnings, the amount that you can borrow will change. We will be able to give you an accurate figure once we have carried out our free affordability assessment on you.
Once you’ve found a property that you want to make an offer on, you now need to arrange the mortgage part of the process. Once you’re ready to move onto this stage, you can easily book a free mortgage appointment online with a mortgage advisor in Sheffield.
In some cases, we will have availability for the same day, meaning that you can speak to an expert straight away!
An accepted offer means that you need to get your mortgage process started right away!
Preparing your mortgage application with a mortgage broker in Sheffield can often speed up the mortgage process. We know what we are doing, we have been in this game for over 20 years.
An AIP is a ‘must have’ for your mortgage journey. They will help you through most stages of the process. An agreement in principle shows your seller that you can continue straight away. You just need to provide evidential documents to support your application – our team will help you with all of this.
If you’re struggling to make it through the mortgage on your own, you should get help from a mortgage expert.
There’s nothing wrong with getting help! If you’re looking for help, take our hand and let a mortgage broker in Sheffield like us, guide you through the process.
Contact us to book your free mortgage appointment with a mortgage advisor in Sheffield.
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Sheffieldmoneyman.com & Sheffieldmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Sheffieldmoneyman 2025.
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Sheffieldmoneyman.com & Sheffieldmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Sheffieldmoneyman 2025.
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