We can help make your
dream a reality – without
breaking the bank

Highly experienced, trusted and professional advisers for mortgages, family protection insurance, wills and home and contents insurance.






Low Deposit Mortgages

With house prices continuing to rise and the majority of lenders asking for a deposit of at least 10%, for many people the dream of owning their own home has never seemed so out of reach. However, a new government-backed mortgage scheme, introduced in April, could make the dream a little step closer.

The aim of the mortgage guarantee scheme is to help first time buyers or current homeowners secure a mortgage with just a 5% deposit on a property up to the value of £600,000. The scheme is designed to allow people to get the first step on the property ladder without having to find a large lump sum.

It was also introduced with the intention of giving those who could afford mortgage repayments but not the larger deposits the chance to buy a new or bigger home. As part of the scheme, the government will offer lenders the guarantee they need to provide mortgages that cover the other 95%, subject to the usual affordability checks, therefore “guaranteeing” 80% of the property price to the lender.

Quick Call back

Accept Privacy Policy


Why FirstXtra?

Long established family run business

Providing personal, professional and honest advice, putting the customers best interests at the heart of everything we do.

Award winning for Quality and Service

This is shown by the number of 5 star reviews we receive on the independent site Feefo.

We are personable and friendly

We provide a fully individual and bespoke service to each customer and we genuinely care about your experience.

Taking the hassle out of the process

Making it as simple and stress free
as possible for you.

We don’t just do Mortgages!

We also provide you with bespoke family  and home protection products.

On hand to contact

We will be there through the life of your mortgage and protection policies with immediate response times.


Found your dream home but not sure if you can afford it?

Find out how much you can expect to pay back with our free mortgage calculator tool.

Simply enter the mortgage amount, your deposit, interest rate and the term of the mortgage and we will calculate the estimated monthly repayments for you based on the information you provide.

Mortgage Calculator

Please note: This calculation is a guide to how much your monthly repayments would be. The exact amount may vary from this amount depending on your lender’s terms.


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

Most Buy to Let mortgages are not regulated by the Financial Conduct Authority

First Time Buyer


Moving House

Low Deposit

Buy to Let

Shared Ownership

Self Employed

Life Insurance

Critical Illness Cover

Income Protection

Home Insurance

About us

Meet the Team