Buying your first home in Islington can feel daunting — but with the right plan, it’s absolutely doable. At Sapphire Mortgages, we help first-time buyers secure sensible deals and understand every step from Agreement in Principle (AIP) to keys.
Ready to talk? Book a free, no-obligation chat via our Contacts page or see how we help on our Mortgages page.
Step 1: Set your deposit & budget
Most first-time buyers start with 5–10% deposits. A larger deposit usually means a better rate and lower monthly payments.
Step 2: Get an Agreement in Principle (AIP)
An AIP shows estate agents you’re serious and gives you a realistic price range. We arrange this quickly and explain what documents you’ll need.
Step 3: Understand fees (and how to reduce them)
Typical costs include valuation, lender product fees, conveyancing, and searches. We’ll help you compare products so you’re not overpaying on fees versus rate.
Step 4: Choose the right mortgage type
Fixed vs tracker? Repayment term? We’ll map options to your income and future plans, and show the trade-offs in plain English.
Step 5: Apply with confidence
We handle the paperwork end-to-end, keep you updated, and coordinate with your solicitor — so you can focus on finding “the one”.
Meet the team behind your application: Maira Oliveira and our North London advisers.
Next step: Start with a friendly call — get in touch.
Prefer to read more? Explore our full Mortgages and Protection services.
qizgzfwewinxqkswjpsxjvjwrzhmlo