We take the stress
away so you can focus
on moving

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






Mortgages for Moving House

Buying your next property?

You probably already have a mortgage and have been through this process before and you might have previously used an independent broker or have gone direct. The mortgage market has undergone vast changes over the past few years and can be a minefield of information and this is why it is really important to use the services of a professional mortgage broker before you make that all important decision.

Whether you need to look for a new mortgage with another lender or stay with your existing lender and port the mortgage to your new property, we can help you with this. We can also recommend a solicitor/conveyancer, review any existing insurance policies that you may have (or not) to make sure that you, your home and your family are protected.

We will arrange an initial meeting at a time and location convenient to you where you will be able to discuss your current circumstances, new requirements and ask any questions that you may have.

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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.

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  • This information is a guide only and should not be relied on as a recommendation or advice, that any particular mortgage is suitable for you.
  • All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender.
  • You should make an appointment to receive mortgage advice which will based on your needs and circumstances.



I’ve found a house I love – now what do I do?

Once you’ve found your dream property, you’ll probably want to make an offer.

We would always suggest speaking to a mortgage adviser before doing this as we can take your details and give you an accurate idea of how much you can borrow and what it is going to cost you.

Then before making the offer we suggest that a Decision in Principle (DIP)/Agreement in Principle (AIP) is obtained from the lender chosen. This confirms that they are willing to lend to you based on the information provided.

How much of a deposit will I need?

Most lenders will require a deposit of at least 5% of the price of the property. The more money you are able to put down, the better the interest rate may be, the cheaper your repayments may be and you will have more chance of obtaining the mortgage as this is less risky than those with smaller deposits.

How long before I can move in?

How long is a piece of string! There are a few things that need to happen before you get the keys. First, you’ll need to have your offer accepted by the seller and then apply for the new mortgage.

Once the mortgage has been offered your Solicitors can then proceed to exchanging contracts and talking about completion dates

The whole process can take anything from 4 weeks to 6 months depending on the chain to complete.

Will I have to pay stamp duty?

You must pay Stamp Duty Land Tax (SDLT) if you buy a property or land over a certain price in England and Northern Ireland. How much you pay depends on the value of the property and the type of purchaser you are. 

The best advice to check how much you will need to pay is to go the Government website and search for Stamp duty

What kind of mortgage will I need?

A repayment mortgage is the most common type of mortgage and is where an individual makes a monthly repayment of both the interest and capital. At the end of the mortgage term, you’ll own 100 per cent of your property.

There is also an interest only mortgage. As the name suggests, you only pay off the interest on the loan – at the end of the term you’ll still owe the original amount you borrowed. This is normally taken alongside a suitable repayment vehicle.