First-Time Buyer Mortgages in Keston

🏡 Helping You Buy Your First Home in Keston and the Surrounding BR2 Area

Buying your first property in Keston is a huge step — and having expert guidance makes it far less stressful. Whether you’re looking at a cottage near Keston Common, a semi-detached home in Bromley, or a new development towards Hayes, we’ll help you understand how the process works, how much you can borrow, and what lenders are really looking for.

We support first-time buyers across Keston, Bromley, Hayes, and West Wickham, providing clear explanations, help with paperwork, and access to a wide range of mortgage products to suit your circumstances and goals.

🤝 How We Support First-Time Buyers

• 📊 Assess your affordability based on income, savings, and credit profile
• 🏦 Compare the most suitable lenders and product types for your needs
• 📋 Guide you through the application, valuation, and offer process
• 📍 Offer local insights into Keston and Bromley property prices and lending expectations

🏠 Mortgage Options for First-Time Buyers

• 💷 Fixed-Rate Mortgages – predictable monthly payments for peace of mind
• 📈 Tracker Mortgages – variable rates that move with the Bank of England base rate
• 🔑 Low-Deposit Mortgages – including 95% LTV options for buyers with smaller deposits
• 👨‍👩‍👧 Family-Assisted Mortgages – family members can help boost affordability or deposit strength
• 🏘️ Shared Ownership and First Homes schemes – ideal for key workers and local buyers

📈 How Much Can You Borrow?

Lenders typically offer around 4 to 4.5 times your annual income, though this depends on your overall financial profile and deposit. Some specialist lenders can stretch further based on affordability checks or joint applications.

We’ll help you calculate realistic borrowing power and repayment estimates, so you can view homes in Keston and nearby areas with confidence.

🪜 Step-by-Step: Buying Your First Home in Keston

1) Initial Consultation

We’ll talk through your goals, savings, and financial background to outline what’s achievable and what deposit you’ll need.

2) Agreement in Principle (AIP)

This confirms how much you can borrow and helps you make stronger offers when viewing properties.

3) Application & Valuation

We help prepare your documents, manage lender requirements, and liaise on valuations to avoid unnecessary delays.

4) Offer & Conveyancing

Once approved, we assist with understanding your mortgage offer and coordinate with your solicitor to progress to completion.

5) Completion

When funds are released and contracts are exchanged, you’ll collect your keys and officially become a homeowner.

🚧 Common Challenges for First-Time Buyers

Low Deposits

If you’re working with a 5% or 10% deposit, we’ll help find lenders that suit your profile and explain how this impacts your rate.

Credit History

Even if you’ve had minor credit issues, some lenders are flexible — we’ll identify those who assess the bigger picture.

Unusual Income

From self-employed to contractors, we help package your income clearly so lenders can understand your earnings.

New-Build Homes

Buying off-plan or new-build? We’ll clarify lender policies on incentives and help navigate valuation timelines.

🌳 Why Buy in Keston?

Keston combines countryside calm with excellent access to Bromley and London. With its village feel, great schools and quick routes via Hayes station to London Bridge and Cannon Street, it’s ideal for first-time buyers seeking space without losing convenience.

• 🚆 Transport: Hayes station (10 minutes to Bromley South, 35 to London Bridge)
• 🏫 Schools: Excellent local primaries and academies nearby
• 🌲 Lifestyle: Scenic trails, community pubs, and family-friendly living

📞 Ready to Take the Next Step?

If you’re ready to start your journey as a first-time buyer in Keston or nearby, contact us today to discuss your options. We’ll help you explore affordability, compare products, and guide you through each stage clearly and professionally.