Mortgage321 First Time Buyer
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First time buyer mortgage.

First Time buyers require specialist advice and guidance. The good news is that Mortgage321 can help you navigate through the process of finding and getting the best mortgage deals when it comes to your first home purchase.


Our mortgage advisors will stand by your side until you have the keys to your new front door, and if you're using the Governments Help to buy scheme we can still help!

Guide to buying a property.

This guide will talk you through each of the key areas of purchasing a property from getting started, finding a property and making an offer, to completion of your purchase and collecting the keys to help you understand the structure and buying process.

How it works.

Our team of expert mortgage advisors will work efficiently to help you find and get the best mortgage deal. We use the latest mortgage sourcing software to ensure we find you the best mortgage product at the lowest cost.

We'll work with you online so you can chat to us whenever it suits you. Your mortgage can be arranged from anywhere you choose, at a time you want, online.

Check out how we can help you get a mortgage for your home easily and quickly.

  1. Contact - You contact us by email, phone or WhatsApp and tell us what information you need.

  2. Data capture - We will send you an online form by email to complete capturing all of the basic information we need to find your new mortgage.

  3. Check your credit - We will need to see your multi-agency credit file to gain an agreement with a lender, but that's a small price to pay to get the mortgage you want.

  4. Mortgage research - Using the latest mortgage sourcing software we will find you the best mortgage at the cheapest cost to meet your needs.

  5. Mortgage advice - You will be assigned a dedicated expert who will keep you updated along the way and be there to answer any questions you may have.

  6. Mortgage application - Our experienced mortgage advisors will take care of the application on your behalf and submit it to the lender, following up on any queries the lender may have.

  7. Mortgage updates - We will provide you with regular updates how your mortgage application is progressing and a timescale of when you will receive your mortgage offer from the lender.

Our mortgage brokers work tirelessly to ensure you are happy every step of the way, we can help with finding a property, negotiating the price, arrange the mortgage and dealing with the solicitors.

​Our mortgage advisors are available online 7 days a week to answer all your queries about taking out your first mortgage, from 9am to 10pm.

There really is no reason to use anyone else. Contact us and see how we can help you.

Mortgage321, Specialists in First Time Buyer Mortgages even with bad credit.

Address: Suite 152, 9 St Johns Street

Colchester Essex CO2 7NN United Kingdom

Tele: 01255 440142 or 0800 612 8292



Opening Times: Monday - Saturday 9am - 10pm 

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

Mortgage321 is a trading style of Matthew Christopher Pigrome who is an appointed representative of Ingard Financial Limited which is authorised and regulated by the Financial Conduct Authority No 450731. DPA number Z1704032. 

The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren't able to resolve themselves. To contact the Financial Ombudsman Service please visit

Please be aware that by clicking on to the external links contained within this website, you are leaving the Mortgage321 website. Please note that neither Matthew Christopher Pigrome nor Ingard Financial Ltd are responsible for the accuracy of the information contained within the linked site(s) accessible from this website.

The information contained on these webpages is for information purposes only and does not constitute individual advice.

Please contact us to arrange a consultation.

The guidance and/or advice contained in this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK.

*Source Trigold June 2019

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