First-time buyer mortgages
Step-by-step help with deposits, affordability checks, agreements in principle and your first full application.
Back to homepageMortgage services
Mortgage advice for every stage of owning a home.
AJM offers mortgage advice for different situations, from buying your first home to reviewing an existing deal or arranging a buy-to-let mortgage.
Services directory
Find the advice that fits your situation
Each service page explains who it helps, what lenders usually look at and how AJM can support the application.
Buying a home
Advice for the main routes into buying a property, whether it is your first place, a move or a supported purchase scheme.
Learn more
Home mover mortgages
Support with selling, buying, porting a current deal and arranging any extra borrowing needed for the move.
New build mortgages
Guidance around reservation deadlines, lender choice, offer expiry dates and the checks new-build homes can need.
Shared ownership mortgages
Clear advice on the mortgage, rent, deposit and affordability rules when buying a share of a home.
Right to Buy mortgages
Help with discount rules, lender criteria and the route to buying your council or housing association home.
Changing your mortgage
Options when your current deal is ending, your needs have changed or you want to review what you are paying.
Remortgages
A review of your current deal against suitable alternatives before you move onto a standard variable rate.
Product transfers / rate switches
A simpler switch with your current lender where it makes sense, checked against wider mortgage options first.
Additional borrowing
Advice on raising extra funds through your mortgage, including the long-term cost and possible alternatives.
Specialist situations
Mortgage advice for income or credit circumstances that may need a more careful lender match.
Self-employed mortgages
Help presenting income clearly if you are a sole trader, contractor, freelancer or company director.
Bad credit / adverse credit mortgages
Realistic guidance if your credit file includes missed payments, defaults, debt management or other complications.
Property investment
Mortgage support for landlords and investment property decisions.
Buy-to-let mortgages
Advice for first-time landlords, portfolio landlords, limited company purchases and rental stress tests.
Unsure where to start?
Speak to AJMNot sure which applies to you?
Speak to AJM and we'll point you in the right direction.