First Time Buyer Mortgages

We make Dreams come True

Five star mortgage advice

*Completing our form does not affect your credit rating

Complete our quick online form for a FREE quote or call us on 01256 327019

*Completing our form does not affect your credit rating

For a FREE MORTGAGE QUOTE please complete our quick online form or call 01256 327019.

Who We Work With

We have the privilege to access an exhaustive panel of lenders including high street and specialist lenders. Our strong business relationships equip us to cater for all types of client requirements. Whilst servicing Fist Time Buyers, Home Mover’s and Remortgage clients we also cater for Government schemes like shared ownership, and specialist mortgages like adverse credit and Limited Company Buy to let’s.

Buying your first home

It is an exciting time – but we understand it can be a little daunting when it comes to getting everything ready for your mortgage when you’re a first time buyer. Initial consultations are completely free of charge. There’s no obligation to proceed and our broker fee will only become payable if we proceed to a full application. We provide guidance to first-time buyers and are happy to walk you through the process of buying your first home.

Our mortgage advisors are passionate about offering the right advice and guidance to our first time buyers, making sure you get the most suitable available mortgage to take your first step onto the property ladder.

Based in Basingstoke, we offer advice and support to clients across Fleet, Reading, Hook and the surrounding areas. Our flexible service gives you the power to choose how and when you want to deal with us, whether that’s online, telephone or face to face over a hot cup of tea.

4 Steps To Arrange Your Mortgage

Our Customer Reviews Speak For Themselves


Mahmut a
Mahmut a
2023-07-07
I had a commercial mortgage with HLSA. Zakia was very helpful and responsive from start all the way to the end. She answered all our inquiries in time and chased the lender for us. I will definitely work with her again.
Ismail ENIKYOVLIEV
Ismail ENIKYOVLIEV
2023-07-05
It was an absolute pleasure working with Zakia to purchase our first home. Zakia is extremely knowledgable and professional and always answered our (many, many) questions clearly and quickly. Highly recommended! best Adviser
Lyle Berends
Lyle Berends
2023-06-21
Zakia and her wealth of knowledge have facilitated rapid growth of my investment portfolios. Her advice and ability to secure the best rates and deals has allowed me to move fast when deals arise and enabled me to offer with confidence, knowing that Zakia would be there around the clock to get things over the line for me. An example is my last transaction from point of mortgage application to now completion has been less than 3 weeks! I can’t recommend any IFA higher. Thank you for all your help over the years and I look forward to all the future transactions we have planned already. Lyle Berends
Jessica Ferreira
Jessica Ferreira
2023-06-20
Zakia has been absolutely fantastic from start to finish. She did all she could to ensure I had the best product and that everything suited my needs in the best way possible. I am super grateful for her assistance in getting me my mortgage and would recommend her to anyone!
Michael Bradley
Michael Bradley
2023-05-24
very efficient and very client focussed, it was a nice experience in what can be a stressful process.
Asif Saleem
Asif Saleem
2023-05-19
Very professional service and there was clarity and continued support throughout the mortgage process. Definitely would recommend to family and friends as it was a 5 ⭐️ service & experience
Felix Olayinka
Felix Olayinka
2023-01-21
HSLA financial Services representative-Zakia was very helpful in my first time mortgage application....prompt reply to my correspondence, affordable charges, excellent service. I can't fault their service from start to collection of the key. Thanks Zakia.
Jock Hawkins
Jock Hawkins
2022-09-03
Zakia came very highly recommended to us and rightly so, at every step we were well informed and provided with top quality service. Zakia went above and beyond expectations, incredibly reassuring and some you can really trust. We have recommended and will continue to do so as the service received was excellent. If ever we buy another house, Zakia will be our first and only call for our next mortgage.
Mieke S
Mieke S
2022-06-24
Zakia Khalid has been amazing helping getting our property business of to a great start. Supporting us with no less than 6 mortgage applications and all completed in only 10 months. Always very professional and keeping us informed every step of the way. She has been an absolute pleasure to work with and would highly recommend her services.
Steve Curtis
Steve Curtis
2022-03-26
We thought we’d struggle to get a mortgage, but Zakia made it all possible, she did an amazing job getting us a mortgage at a brilliant rate, always keeping us informed. We will forever be grateful for her efforts in helping us get on the property ladder, we couldn’t recommend her enough. Absolutely brilliant!!!

*Completing our form does not affect your credit rating

Contact Us For A Mortgage In Principle

How much can I borrow?

This is usually one of the first questions we get asked, especially by first time buyers. With years of experience in the property market, our initial advice to first time buyers is, that knowing what you can borrow is certainly the first step to buying the right house.

Every lender has a different approach to what you can borrow. There is no set calculation. The amount you’re eligible to borrow will be determined by the purchase price of the property , the size of deposit you have, your income and affordability (taking into account your monthly financial commitments and any future commitments).

Your mortgage advisor will calculate how much you can borrow based on your personal circumstances and offer the right guidance explaining the costs and purchasing process in simple terms- no jargon!

Contact us today for more information about how we can help and get a free quote. Based in Basingstoke, we support clients across Fleet, Reading, Hook and the surrounding areas. We also offer online support across the UK.

What Type Of First Time Buyer Mortgage?

Being a first-time buyer, you will no doubt have lots of questions regarding how to get a mortgage and what type of mortgage will be best for you. Quite often our first-time buyer clients require a high loan to value mortgage because they have a low deposit. High loan to value mortgage products typically require 5% to 10% deposit and are specifically designed for first time buyers. 

Your mortgage advisor will explain the difference between various types of interest rate and mortgages whilst guiding you through the process of securing a mortgage that meets your circumstances. We have listed here some of the main mortgage types that you may wish to consider:

  • Fixed rate mortgage-Interest rate is guaranteed to remain the same for a set period of time.
  • Tracker rate mortgage</