Mortgage Services

First-Time Buyers

First-time buyers are welcome at Coombes & Wright Mortgage Solutions. Congratulations on deciding to buy your first home! Getting your foot on the property ladder can be one of the most important purchases you will ever make. At Coombes & Wright, we understand your excitement, as well as your concerns. Our team of experts support you at every step, from your first enquiry to successful completion and picking up the keys.

No doubt you have lots of questions. Our team has over 180 years of combined property and mortgage industry experience. We have helped and advised thousands of homebuyers and happily share our knowledge.


  • How much can I borrow?
  • What will the repayments be?
  • Will I need insurance?
First time buyers mortgage advice Hatfield dover Canterbury London abbots Langley

Important Information


How much deposit do I need for my first mortgage? 

Currently, mortgage lenders will lend up to 95% of the value or purchase price, whichever is lower. This means you will be required to put a 5% deposit down, and the more deposit you can produce, often the better deal lenders will offer.

Don’t worry if you can’t produce this size of deposit. Coombes & Wright Mortgage Solutions can look at alternative ways of getting you on the property ladder, for instance, Shared Equity or Shared Ownership.

Are there any first-time buyer help schemes?

Several schemes are available to help people buy their first homes. These include Shared Equity, Help-To-Buy, Shared Ownership, Family Assisted Mortgages and Right-To-Buy. We will discuss all options with you and consider each in relation to your personal circumstances.

What type of mortgage is best for me?

Everyone’s circumstances, needs and financial situations are different. Therefore, you should consider the most suitable rather than the best. In addition, there are a variety of mortgage types available. For instance, tracker rates, variable rates, fixed rates, discount rates, offset mortgages and flexible mortgages. As an unbiased mortgage broker, we consider each option’s suitability for you.

Mortgage Types Explained

No doubt you have lots of questions. The Coombes & Wright team has over 180 years of combined property and mortgage industry experience. We have helped and advised thousands of people to remortgage and happily share our knowledge and expertise.

Learn about the different types of mortgages available and their suitability to your circumstances.

Own New Approved Broker Coombes & Wright Mortgage Solutions

Coombes & Wright Mortgage Solutions and Own New access lower-rate mortgage options for new home buyers. The nationwide scheme is designed to make mortgages more affordable for people buying new-build homes. Funded through a subsidy paid for by the builder, Own New’s ‘Rate Reducer’ is a unique mortgage that provides movers and first-time buyers with access to lower interest rates and reduced monthly payments during the initial mortgage period. Contact us to learn more.

Mortgage Types Explained Broker

Why should I use Coombes & Wright Mortgage Solutions?

We make it our priority to provide a local, flexible and friendly advice service. We pledge to:


  • Simplify securing and completing your mortgage and protection products from initial enquiry to completion.
  • Search a comprehensive range of lenders across the market, with access to over 65 lenders, to find suitable products to meet your current needs.
  • Fully explain the process, options and pricing.
  • Explore and compare quotes for protection cover based on an analysis of a number of insurers.
  • Offer free no-obligation initial consultations, either face-to-face or over the phone or on a video call.
  • Manage the complete mortgage and protection process for you, including all application paperwork and admin, liaising with your lender, solicitors, estate agent or new home builders.
  • Keep you updated at every stage to prevent delays and create a stress-free experience.

Our CWMS Team

Coombes & Wright Mortgage Solutions is an award-winning mortgage & protection broker providing local, flexible, friendly advice. We have offices in Brookmans Park, Hatfield, as well as in Abbots Langley, Cheshunt and St Albans Hertfordshire, London and Dover and Canterbury in Kent.

Our team has over 180 years of combined property and mortgage industry experience. Jointly, we have helped and advised thousands of people at all levels of the property ladder. We pride ourselves on personalised service, exceptional customer care and a friendly approach.

CWMS Mortgage Broker Team Hatfield Abbots Langley Dover Canterbury Kent London

Life Insurance and Protection Cover

At Coombes and Wright, we believe having appropriate protection cover is critical to safeguard the peace of mind of families and companies. Mortgage repayments are often your largest monthly outgoing. If you could not work due to illness or redundancy, repayments would still need to be met, or you could risk losing your home or property. In the eventuality of income vulnerability, critical illness or death, we check that you have adequate cover to protect you and your family.

  • Is your family adequately protected?
  • When did you last review your current cover?
  • Have you considered what might cause you to lose your income or home?
Mortgage protection cover advice Hatfield Hertfordshire
CWMS Mortgage Broker Hatfield Herfordshire Dover Kent Canterbury Abbots Langley London


Get in touch with us today to learn how we can provide you with flexible and friendly mortgage and protection advice.