First Time Buyer Mortgages in Basildon
Help buying your first home in Basildon, Pitsea, Laindon, Wickford and Billericay.
Plain-English guidance
We explain each step so you know what to expect
Your plans, your budget
Advice based on your income, deposit and goals
Support to completion
We stay in touch from first call to getting the keys
Basildon has a wide choice of homes for a first purchase, from flats near the town centre to family houses built when it was designated a New Town in 1949. With c2c trains from Basildon, Laindon and Pitsea to London Fenchurch Street, many buyers here weigh up their commute as well as the price.
We look at your income, outgoings and deposit, explain what a lender is likely to offer, and take you through each step to completion.
Buying your first home around Basildon
First time buyers in Basildon often compare the town itself with nearby areas such as Pitsea, Laindon, Wickford and Billericay, where the type of home and the price can differ. A lender will value the particular property you choose, so it helps to speak to us before you start viewing, to know the range you are working within.
Many of the homes in the area were built in the post-war New Town period, and some are ex-local-authority properties. Lenders can have their own rules about the construction of a property, the number of storeys in a block and whether a home was previously council-owned, so it is worth telling us about a property before you pay for a survey. If you are looking at a new-build, we can explain how lenders treat these and what extra points to check.
How it works
Initial conversation
We talk about your plans, income and deposit.
Your options explained
We explain the mortgages that may suit you, and what we would recommend.
Agreement in principle
A lender gives an early indication of what it may lend. This can involve a credit check.
Find your home
You find a property and your offer is accepted.
Full application
We help you complete the application and provide the documents the lender needs.
Valuation, legal work and offer
The lender values the property and your solicitor carries out the legal work.
Completion
Funds are released and you collect your keys.
For the full guide, see our First Time Buyers page.
Frequently asked questions
Can I buy an ex-council house or flat in Basildon with a mortgage?
Often you can, although the number of lenders may be smaller and each has its own rules on the property and the building. Tell us the address early and we will check the position before you spend money on a survey.
Does being close to the c2c line affect my mortgage?
Not directly. A lender values the home itself and looks at your income and outgoings. Good transport links can make a home easier to sell later, but they do not change how your affordability is assessed.
How much deposit do I need?
It depends on the lender and the mortgage. Generally, a larger deposit gives you more choice, but some lenders accept smaller deposits. We will look at your position and explain what may be possible.
Can I get a mortgage if I am self-employed?
Many lenders will consider self-employed applicants. They usually ask for accounts or tax records covering recent years, and each lender looks at your income in its own way.
Important information
- Your home may be repossessed if you do not keep up repayments on your mortgage.
The information on this page is general and is not advice. Advice depends on your personal circumstances.
First Time Buyers in other areas
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