"We had a great experience with Rob. He was very helpful, quick to respond and consistently professional. Rob supported us every step of the way and made the whole process much easier than we expected. We would highly recommend Lynton Mortgages for a stress-free service!"
Eddie Woodward
Crunch the Numbers
Get a quick estimate of what you could afford. These are just guides — for accurate figures tailored to you, let's chat.
Your Journey to Homeownership
I break the complex mortgage process down into simple, manageable steps.
Chat & Check
We review your income and deposit to see exactly what you can afford.
Decision in Principle
I'll help you obtain a Decision in Principle to show estate agents you're a serious buyer.
Find Your Home
You go house hunting! Once you find 'the one', I handle the full application.
Get the Keys
I chase the lenders and solicitors until the house is officially yours.
Want More Detail?
Click each step below to see exactly what happens at each stage.
Government Schemes to Help You Buy
Struggling to save a large deposit? There are several government-backed schemes designed to help first-time buyers get on the ladder sooner.
Shared Ownership
Buy a share of your home (usually 25%-75%) and pay reduced rent on the rest. Great if you have a smaller deposit or lower income.
- Deposit based on share price, not full value
- Buy more shares later ("staircasing")
- Available on new builds & resales
First Homes Scheme
New-build homes at a 30-50% discount for local first-time buyers and key workers. The discount stays with the property forever.
- Significant price discount
- Capped at £250k (after discount)
- Very limited availability
5% Deposit Mortgages
The Mortgage Guarantee Scheme is now permanent, encouraging lenders to offer 95% mortgages. You only need to save a 5% deposit.
- Get on the ladder sooner
- Available on existing homes up to £600k
- Open to movers too, not just first-time buyers
Lifetime ISA (LISA)
Save up to £4,000/year and the government adds a 25% bonus (up to £1,000 free). Must be used for first home (max £450k) or retirement.
- 25% government bonus
- Must be open for 12+ months to use
- Penalty if withdrawn for other reasons
Not sure which scheme fits your situation? Some people qualify for multiple schemes, some for none.
Discuss My OptionsInformation correct as of January 2026. Government schemes are subject to change and eligibility criteria apply. Your home may be repossessed if you do not keep up repayments on your mortgage.
What You'll Need
Gather these documents before we chat and you'll be ready to move fast when you find the right home.
Proof of Identity
Valid passport or driving licence
Must be current and not expired
💡 A passport is preferred by most lenders
Proof of address (last 3 months)
Utility bill, bank statement, or council tax bill
💡 Mobile phone bills usually aren't accepted
Proof of Income
Last 3 months' payslips
Consecutive months showing your regular income
💡 Include any bonus or overtime if it's regular
Latest P60
Shows your annual earnings and tax paid
💡 You get this from your employer each April
Employment contract (if recent)
Required if you've been in your job less than 3 months
💡 Shows your salary and employment terms
Bank Statements
Last 3 months' bank statements
All accounts where your salary is paid or savings held
💡 Lenders look at your spending habits, so avoid gambling transactions
Evidence of deposit source
Shows where your deposit money came from
💡 If it's a gift, you'll need a signed letter from the giver
Property Details
Property listing or details
Address, price, and estate agent contact
💡 I can help before you've found a property too
Solicitor/conveyancer details
Their name, firm, and contact information
💡 I can recommend local solicitors if you need one
Buying in Alsager?
I live and work here. Here's what you need to know about buying your first home in our town.
Alsager Property Market
Local Market Data Coming Soon
I'm putting together detailed, up-to-date information about property prices and trends in Alsager. In the meantime, I'm happy to chat through what's realistic for your budget.
Areas to Consider in Alsager
Why First-Time Buyers Love Alsager
Great Commuter Links
Direct trains to Crewe, Stoke, and Manchester. Easy access to M6.
More Affordable Than Nearby
Better value than Nantwich or Knutsford, with similar village feel and amenities.
Excellent Schools
Well-regarded primaries and Alsager School is a popular secondary choice.
Green Spaces
Alsager Mere, Milton Park, and surrounding countryside. Perfect for dog walkers and families.
Independent High Street
Local butchers, bakeries, cafés, and pubs. Real community feel without being isolated.
Growing Community
New developments bringing young families. Active community groups and events throughout the year.
Common Questions
It's normal to have questions. Here are the ones I hear most often.
Ready to take the first step?
You don't need to have found a house yet. In fact, it's better to chat with me before you start looking.
Know Your Budget
Find out how much you could potentially borrow so you don't waste time viewing homes out of reach.
Get Certified
I'll get you a Decision in Principle certificate to show estate agents you're a serious buyer.
Ask Anything
No question is too silly. I'm here to explain everything in plain English.
