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Buying a house

The most important purchase will make

Your home may be repossessed if you do not keep up repayments on your mortgage.

“Our fully trained and fully qualified advisers will take you through the whole process from start to finish, relieving you of any stress”. FCA Registered 476653.

Get Online Quote Your home may be repossessed if you do not keep up repayments on your mortgage.

We are a national whole of market mortgage brokerage, offering a full advice and recommendation service - we do NOT charge any upfront fees.


Buying your first home and dealing with Estate Agents for the first time and every other time can be an overwhelming experience. We will act for you as your mortgage broker ensuring you receive advice you can trust and rely on. Your dedicated advisor will liaise with estate agents, lender, solicitor and insurance company, keeping you informed every step of the way.

Rising house prices have made this process a daunting prospect for many First Time Buyers, but there are a range of mortgage products available in today's market:

What type of Mortgage Should I look for, Fixed or Variable?
Many First Time buyers take out a fixed rate mortgage so they know their monthly payments are stabalised. Tracker rates open you up to much greater repayments if interest rates rise.

What could Go Wrong
If rates increase and the property market falls away, you could find yourself in a negative equity situation. Which means you owe more than the value of the property. This is a big risk factor to seriously think about and discuss with other parties to the mortgage before signing on the dotted line.

Joint Applicants
Many First Time Buyers purchase their property with a partner, friend or family member and some lenders will allow up to 4 people to be party to the mortgage.

Some First Time Buyers receive financial help from family and some lenders will consider close family members as guarantors.

Buying a house is one of the most important purchases you will make

Online Quote


Important Information

We do NOT charge any upfront cost. We may charge a typical fee of up to 2% of the amount of the loan for arranging a mortgage. E.g. A loan of £100,000 would be likely to incur a fee of up to £2000. Any fee we charge is ONLY payable upon successful completion of the mortgage. We will also be paid a commission by the lender.

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits

Total Home Loans Limited is an appointed representative of Quilter Mortgage Planning Limited, which is authorised and regulated by the Financial Conduct Authority. Quilter Mortgage Planning Limited is entered on the FCA Register ( under reference 476653

Registered Address: 55 Cobham Road, Ferndown Industrial Estate, Wimborne, BH21 7RB. Registered in England and wales, company registration number 6436412.

All rights reserved Total Home Loans LTD 2016