Challenge us to find you a better rate!

First Time Buyer


Challenge us to find you a better rate!


There’s a first time for everything, but you’ve got to get this one right first time.

Buying your first home can be as daunting as it is exciting. Getting the right mortgage advice will help prevent costly mistakes. 

Our experts will find the right mortgage for your situation and guide you through the whole process. We’ll liaise with your lender, solicitor, and estate agents to make sure you have a smooth journey. 

Your initial consultation is completely free, so let’s get going!

Start Your Enquiry

It takes less than 60 seconds…

First Time Buyer Mortgage Advice

Buying your first property can be stressful and confusing, it’s important you seek professional mortgage advice so you don’t make costly mistakes. But enough with the doom and gloom, that’s not our style at all! Buying your first home should be fun and exciting, so let’s get your mortgage sorted. 

How Can We Help?

Many factors come into play when choosing your first time buyer mortgage and getting it right could save you thousands. During your free consultation with one of our experts we’ll discuss your personal and financial circumstances and figure how much you can borrow. Then we’ll find you the most suitable mortgage for your situation.

Mortgages come in all shapes and sizes.
With varying interest rates, fixed rate periods, mortgage terms, and product fees; choosing the right mortgage can be confusing. Then there are other factors, such as early repayment fees, which could affect you when you come to remortgage. We’ll explain all this to you during your free consultation and also advise you on first time buyer discounts and schemes to make sure you get all the help you can get.

We have whole of market access.
As whole of market advisors, we have access to thousands of products from hundreds of lenders, and we understand the criteria for each. We use our extensive knowledge and specialist software to find you the perfect deal, and then guide you through the whole process so you can relax and enjoy the journey.


What Do We Charge? 

It’s completely free to come and chat with us!

If we find you a great deal and you decide to use our service, our typical fee is £495. This can be slightly higher if your case is particularly complicated, but it can also be lower. We’ll confirm your exact fee before you have to commit, so you can make an informed decision. 

We’re so confident we’ll find you the right mortgage that you’ll receive a full refund if you’re not successful. In other words – No Mortgage No Fee.

Our typical fee of £495 is split into two payments to make it easier for you:

£100 is due when we apply for your mortgage.

£395 is due once your mortgage is completed.

Remember, you won’t be charged anything for your initial consultation, so don’t miss out on some free advice! 

Why use Michael Usher Mortgage Services?

30 Years of Experience

We’ve been helping people like you for 30 years and have a track record of thousands of happy customers. If that’s not proof we know what we’re doing then what is?!

Face to Face

We are renowned for our personal service, your expert mortgage advisor will be on-hand to answer all your questions and guide you through the whole process. 

Whole of Market Broker

As whole of market advisors, we have access to the full range of products and have extensive knowledge of each lender’s criteria.


We’re proud to have been voted Best Mortgage Broker in the South East! Awarded by the HLP Mortgage Network.

A time and place that suits you

We can come to your home or you can come into one of our offices at a time that suits you. Open all week and Saturday morning. 

Free Consultation

Your initial no-obligation consultation is completely free so you’ve got nothing to lose.

No Mortgage No Fee

We’re so confident we’ll find you the right deal that all fees will be refunded if you’re not successful.

Self-employed or unusual circumstances?

If you’re self-employed we can still find you a great mortgage. In fact no matter what your circumstances we should be able to help you. 

how it works

It’s as simple as ABC…

But it’s not ABC.


Spend seconds filling out a few questions online or give us a call to book your FREE consultation.


We'll find you the right deal, handle your application, and guide you through the whole process.


This one’s self-explanatory, just sit back and enjoy the fruits of your new mortgage!