First-time Buyer

Dreaming of your very own pad? We can help turn your home owning dreams into a reality…

Google Rating
5.0
Based on 202 reviews
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Award Winning

First-time Buyer

Dreaming of your very own pad? We can help turn your home owning dreams into a reality…

Google Rating
5.0
Based on 202 reviews
js_loader

Award Winning

Have a ton of questions?
Feeling a bit overwhelmed by the whole process?

Let Frog Financial Management ease your worries and guide you smoothly onto the property ladder. We know buying a house is an exciting adventure, but it can also feel a bit daunting.

So, where do you start, and what exactly is involved?

At Frog Financial Management, we take care of all the financial details for you. As experienced mortgage brokers specialising in helping first-time buyers, we’re here for you every step of the way.

Your journey to owning your first home starts here. Let’s make it happen together!

First time buyers

How it works

How it works

What’s next?

As a first-time buyer, you’ve likely spent the past few years saving diligently to make your dream of owning a home a reality. Now, it’s time to take the next exciting step: discovering how much you can borrow.

Get mortgage advice when buying your first home

Navigating the world of mortgages can be complex, especially for the self-employed or those with variable earnings. That’s where a mortgage adviser comes in. We’ll help you find the most suitable and affordable mortgage for your personal situation.

During our mortgage advice process, we take the time to understand your circumstances and requirements. We have access to virtually every lender in the UK, allowing us to advise you on the right mortgage choice from the whole-of-market. We identify the most cost-effective lender for your needs and ensure you meet their criteria. Each lender has different requirements, and it’s crucial to match these to ensure everything runs smoothly.

Using the latest tools and our expertise, we conduct a detailed income and expenditure affordability assessment to ensure the level of borrowing you need will be approved by the lender. With our comprehensive assessments and access to almost all lenders, we strive to make your home-buying journey as smooth and worry-free as possible.

For many lenders, we have direct access to their underwriting teams and liaise with them throughout the process to ensure they fully understand your circumstances. Once your mortgage application is submitted, we manage the entire process from start to finish.

When to apply

Knowing when to make your mortgage applications is crucial.

Before you dive into the exciting process of viewing properties, it’s always a good idea to have your mortgage agreement in place. This is also known as an Agreement in Principle (AIP).

Ready to speak to a Mortgage Advisor?

Our team provides expert, unbiased mortgage advice. Get in touch today to start your journey toward homeownership.

Find the best rate in today’s mortgage market for your needs!

Frequently asked questions

Frequently asked questions

Skip the time-consuming online mortgage calculators. At Frog Financial Management, our experts understand that the amount you can borrow depends on your unique circumstances. Lenders will consider whether you are buying jointly, your earnings, and your monthly credit commitments. These factors can cause significant variations in the amount you can borrow. By speaking with our specialist advisers before you start house hunting, you’ll gain the confidence that you can afford your dream home!

There are two parts to this question:

  1. Upfront costs: These include your deposit, solicitor fees, survey fees, and mortgage arrangement fees. Depending on current legislation and your personal circumstances, there may also be a Stamp Duty cost.
  2. Monthly commitments: Your regular mortgage payments and any other related expenses.

All these costs are based on your individual circumstances. To get accurate figures, give our advisers a call – they’ll provide you with precise information tailored to your situation.

If you’ve saved up and are ready to buy your first home, your first step should be to speak with our mortgage experts. We will guide you through the entire process, from figuring out what you can afford and providing the estate agents with proof of your affordability (known as an Agreement in Principle) to sourcing the right solicitor. We’ll be with you every step of the way.

Lenders will assess you based on three main areas: your credit history, your ability to repay the loan, and the security of the property you wish to buy. Each lender has individual criteria that determine whether they will accept your application. By providing full information to our advisers, they can review your situation and recommend the most suitable lender for you.

There isn’t a one-size-fits-all answer to this question. Factors such as buying a leasehold property, being part of a large buying chain, or your vendor not having found a new property can all cause delays. However, by working with Frog Financial Management, we will coordinate with solicitors and estate agents to help you move into your new home as soon as possible.

“The bank of Mum and Dad” has become a common option as property prices continue to rise. First-time buyers often need help from their parents or a third party to fund a deposit, or even to take joint mortgages. Lenders now recognize these requirements and offer flexible options. We can help you find the right solution to suit your individual circumstances.

Whether you are self-employed, a contractor, working for an agency, or starting a new job, there are lenders willing to consider your unique circumstances. However, the mortgage market is constantly evolving, and so are each lender’s criteria.

Talk to our experts at Frog Financial Management. We stay up to date with the market and can find the perfect mortgage tailored to your needs. Let us help you navigate the complexities and secure the best deal for your situation.

Whether you are self-employed, a contractor, work for an agency, or are starting a new job, there are lenders who will consider lending based on your situation. The mortgage market and each lender’s criteria are constantly changing. Our experts stay up to date with the market and can find the right mortgage for you.

Lenders use your credit history to check for adverse credit events like payment defaults, CCJs, or bankruptcy, as well as to understand your current financial commitments. Each lender will assess this information differently. It’s important to note that when lenders access your credit report, it leaves a visible ‘footprint’. Too many enquiries can negatively impact your credit score. Our advisers, with over 18 years of experience, are adept at navigating lenders’ eligibility criteria and can guide you to the right lender with minimal impact on your credit rating.

A good place to start is by downloading your credit file for free at Checkmyfile. They offer a free, no-obligation 30-day trial. After the trial, you will be charged £14.99 per month if you choose to continue. We receive a small referral fee from Checkmyfile.

Quick Mortgage Calculator

Quick Mortgage Calculator

Find the best rate in today’s mortgage market for your needs!

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The rates displayed by our calulator are live rates and are the best in the mortgage marketplace right now. The figures are for illustrative purposes only and an actual quote would depend on your situation and circumstances, which we would be happy to discuss.

The mortgage market can be complex and confusing – that’s why we’re here! Check out our short guide to mortgage types

More and more people are choosing flexible ways of working and anyone who’s been a Contractor will know it’s far more complicated finding the right mortgage deal.

Mortgages for Contractors can be something of a minefield. Lenders differ in the way they assess a Contractor.

At Frog we work with every client individually. Whether you have just started Contracting or have been for many years, there are lenders out there that will consider your application.

We provide advice for the following Contract workers:

  •  Self-employed Contractors
  • Employed fixed/short term Contractors
  • Contractors working under Umbrella companies
  • Contractors with only a few months contracting experience
  • Agency workers with at least 12 months working history

We already advise business owners and company directors on protecting the things that are most important to them. So, we’re well-placed to advise on the  mortgage options if you if you are self-employed.

Lenders will class you as self-employed if you are a sole trader, a partner in a partnership or a company director with an identified percentage shareholding, typically 20% and above.

We can advise you on what you’ll need to supply to verify your self-employed status and with our expert, professional guidance, we can cut through the options and recommend the a suitable mortgage for your needs.

Cutting through the myths of mortgages for the self-employed:

  • There are several mainstream lenders who will lend to applicants with just one year’s trading figures, so there is no need to wait if you have recently become self-employed. However, the majority will want two years trading figures.
  • In general, lenders will work off the average of the last two years’ income figures:
    • For sole traders, this is the average of your last two years’ net profit (after all costs and expenses have been deducted from your turnover)
    • For limited company directors, lenders will use a combination of salary and dividend income
    • Some lenders will use salary and share of the net profit from a business, if you are a limited company director. If a director is not receiving all the profits available within the business, this option can yield greater affordability, if needed.

You’ll have access to all the same mortgage products available to employed applicants.

Frog Financial Management has specialist knowledge in the large loan mortgage market and many of our clients require borrowing in excess of £1,000,000.

Whether this is on a residential, investment or commercial property, we have extensive knowledge and contacts within the large loan arena. We have developed contacts with the lenders who understand and operate in this demanding marketplace.

We are able to advise on the options for your needs to achieve the level of borrowing you require.

Commercial lending is referred to a third party. Neither Frog Financial Management or The Right Mortgage Ltd are responsible for the advice received.

The interest rate you pay is fixed for a set number of years, so your monthly payments remain unchanged throughout this time, helping you to budget with confidence. Do you have a specific monthly budget in mind? With a fixed rate mortgage, even if rates in general rise, your mortgage payments won’t. Know exactly where you stand financially each month.

An interest-only mortgage gives you cheaper monthly payments on your home loan but you are not actually paying back any debt.

At the end of the mortgage term you will still owe your lender the amount that you borrowed, and therefore you need to have plans to repay this at the start of the loan. A repayment mortgage clears the debt by the end of the mortgage term. New regulatory requirements stipulate that lenders can provide interest-only mortgages, only if there is a credible strategy for repaying the capital.

Despite this, the majority of mortgage lenders have chosen not to offer interest-only residential mortgages, and where lenders do offer these mortgages, there is strict criteria to meet, before a lender will offer your mortgage on this basis.

This is why it is very important to seek advice when considering an interest-only mortgage, we are here to help.

The interest rate you pay is fixed for a set number of years, so your monthly payments remain unchanged throughout this time, helping you to budget with confidence. Do you have a specific monthly budget in mind? With a fixed rate mortgage, even if rates in general rise, your mortgage payments won’t. Know exactly where you stand financially each month.

An Offset mortgage allows you to offset savings balances to pay less interest on your mortgage. Think about it, you could pay off your mortgage earlier, saving you thousands of pounds!

Discount, Variable and Base Rate Tracker mortgages may mean your monthly payments will be lower compared to Fixed Rate Mortgages.

Lower payments when you need them most! You could take advantage of some of the lowest mortgage rates around.

Some of our Google Reviews

Excellent
Frog Financial Management
5.0
Based on 202 reviews
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Ian
Ian
Couldn't be happier with the service from Frog, they made an incredibly stressful time in me buying my first property feel much more manageable and were always available to talk through any queries I had. Would highly recommend ☺️
Tim Moult
Tim Moult
Craig is an excellent advisor, we had relatively unusual requirements for 2 mortgages and he spent a lot of time explaining our potential options so we would end up with the best fit for us.Ruth was also fantastic at following things up for us and keeping us informed of how applications were progressing.Would definitely recommend Frog to anyone looking for a mortgage or insurance.
mario alvarez botero
mario alvarez botero
Gracias a Danni West ( Frog Financial Management ), pude asegurar mi casa en Inglaterra pues, Danni, muy cortés y profesionalmente, me puso en contacto con una compañía de seguros inmobiliarios que, se interesará a ofrecerme un seguro ya que, Yo vivo en España por lo tanto, soy un propietario ausente y según parece esto es un impedimento para muchas aseguradoras.Estoy muy agradecido con Danni por su invaluable ayuda, ha sido una gran experiencia.
Ruth Corner
Ruth Corner
Advise etc on our finances and mortgage suggestions
Rendell Willett
Rendell Willett
Found the service to be extremely helpful and efficient in dealing with my property portfolio. I've been with them many years and I'm always satisfied with their mortgage quotes
James Devine
James Devine
Frog has provided a great service to me and my partner as we arranged our first mortgage.As FTB, it is a daunting process, with a lot of questions from us on the hows, whens, and whats. Greg made this less so, answering all questions clearly, and helping us to understand things. Not only this, Frog helped us to find the best rate available to us.Lastly, Greg & Danni helped us to understand which personal insurance policies were best for us, taking the time to explain in layman's terms how each one could benefit us (or not), depending on our needs.All in all, Greg & Danni have been a valuable part of our mortgage journey, and I would not hesitate to work with them again in the future.
Tia Mirshahi
Tia Mirshahi
Greg and team were incredibly helpful in guiding us through the process of securing our first mortgage at the best possible rate. Everyone we interacted with at Frog Financial was friendly and always available to support and answer any questions we had - we are first time buyers so their advice and expertise was much appreciated! Greg and Danni also gave us all the information we needed to choose the right options for life insurance and income protection that is tailored to our needs. We couldn't be happier with our experience and would definitely recommend their services.
Joe and Katherine O'Donnell
Joe and Katherine O'Donnell
Had a great experience with Frog with our recent remortgaging after being recommended to them by Frosts in Amersham.Greg was extremely knowledgable and made a daunting process significantly easier - he was friendly, extremely clear and answered any questions or concerns we had throughout the entire process.Greg really listened to our circumstances and it was clear he wanted an outcome for us that fit our needs, there was never any sense of trying to upsell or push us towards something that did not fit our needs and we reached an outcome we were extremely happy with.Greg’s approach was extremely fair and it was clear that Frog Financial is far more interested in building a lasting relationship ship with their clients. I would not hesitate to approach Greg and Frog Financial again and will absolutely be using their services again when we come to our next application!
Sage Kershaw
Sage Kershaw
Grey was the ABSOLUTE BEST!!!!! He was so fun, let us have aux and made us feel so comfortable and showed us around the area and gave his favorite recommendations!! Will be calling him all week!
Clare Marshall
Clare Marshall
Gray was THE BEST driver and made sure that our ride was safe and fun!!!
Paul Murphy
Paul Murphy
Frog Financial Management have been excellent throughout the process. Craig and Ruth provided clear advice, quick communication, and a very professional service from start to finish. Nothing was ever too much trouble, and they made everything straightforward and stress-free.Would highly recommend to anyone looking for trustworthy and efficient financial advice.
Chloe Taylor
Chloe Taylor
Greg and the team at Frog were brilliant in helping us prepare our finances and then arrange the porting of our mortgage for our recent house move. Greg provided consistent support and tailored advice whenever needed, and made the mortgage process as stress free as possible. The Frog team also helped us with setting up some better life protection for ourselves and our kids. We would highly recommend Greg and the team at Frog to anyone looking for mortgage specific or broader financial advice.
Samah Hussain
Samah Hussain
As a first-time buyer, I had a lot of questions—and Greg was absolutely brilliant at answering every single one with patience and clarity. He was always super responsive and made the whole mortgage process feel much less overwhelming. Charley was also fantastic, helping me sort out buildings insurance quickly and efficiently while walking me through all the details. Danni took the time to explain all the insurance options thoroughly and in a way that made sense. Everyone I dealt with was friendly, knowledgeable, and incredibly supportive. I can’t recommend them highly enough!
Megan Griffin
Megan Griffin
We were recommended Frog Financial by some friends who had recently bought their first house, and we couldn't be happier! Greg was amazing from start to finish, keeping us informed throughout the process and always on hand to answer any questions we had. Charley also helped us find the right Buildings & Contents insurance for us, and had everything sorted & ready for exchange. We'll definitely be recommending the Frog team to any friends buying their first place!
Carla van der Sluijs
Carla van der Sluijs
Frog were incredibly helpful when I approached them for a mortgage recommendation. Craig really took the time to understand what I needed and was very supportive throughout the process. Mortgages and the jargon around them can seem very overwhelming, especially to a first time buyer, but Frog made it a lot less stressful. Would definitely recommend!
Tannaz Rastegar
Tannaz Rastegar
I can’t recommend Charley highly enough! From the very start, she made the process of getting my building and contents insurance seamless. She provided me with a list of options, sent detailed and informative emails, and was incredibly flexible, kind, and patient throughout.The whole experience has been fantastic, professional, efficient, and stress-free. The member portal is another great addition, making everything even more accessible and straightforward.I was so impressed that I even told my solicitor to recommend Charley to her clients. If you’re looking for someone who truly goes above and beyond, Charley is the one to trust. 100% recommend!
Denis Bywaters
Denis Bywaters
I went to Frog for mortgage advise on buying a second property. Initially Greg provided me with various options available to me and spent the time explaining the pros and cons of each. This made choosing the right option very easy, feeling confident with my choice. Likewise, Charley was a great help with finding me the right insurance for my new property and landlords insurance.
Se7en Group
Se7en Group
Thoroughly professional and superbly efficient service. Moving home is stressful enough. My buildings insurance was at least one thing I did not have to worry about.
sophie Stockton
sophie Stockton
I cannot recommend Frog enough. They have been so helpful and supportive.They have helped us to buy our first home and they were a huge helping hand when we had no idea where to start.Thank you so much for making the house buying process almost completely stress free.
Sammy Isaacs-Johnson
Sammy Isaacs-Johnson
We were recommended Frog by a family friend, and they have been absolutely brilliant through the whole house buying process. As first time buyers, the whole team has been so supportive always answering phone call and emails. Greg was so supportive when it came to our mortgage inquiries, very helpful and personable. Charley and Danni have been so helpful with insurances and Will writing, and we look forward to using them again in the future.
Nick Jones
Nick Jones
Frog Financial are definitely well worth a 5 star review, Greg and the team are fast, efficient and professional and always seem to put the customer first.
Mukesh Singh
Mukesh Singh
Frog financial management services provided us excellent help during purchase of our sweet first home in UK. Greg our advisor was very helpful, soft spoken person. Despite of my limited visa, Greg helped us to get mortgage with best available rate in the market.Highly recommended
Danielle Louise
Danielle Louise
I couldn’t recommend Frog Management more. Greg made the mortgage application process really easy for my boyfriend and I who were first time buyers. I’d first been in touch with Greg a year prior when we started our property search and once our offer was accepted I got straight back in contact with Greg who was prompt to get everything moving for us. I would highly recommend Frog Management!
Aaron
Aaron
The team at Frog have been fantastic throughout the entire process. Providing great advice and having a proactive approach, I can't recommend them enough!
Sam E
Sam E
The whole team at Frog were outstanding for us. Greg was our contact for our Mortgage application and he couldn't have been more helpful. He was always available and happy to help with anything, very knowledgeable and we really felt like he wanted the best for us. Charley and Danni also assisted us with insurance cover and they were very helpful and knowledgeable when it came to understanding the policies. They regularly checked in to see if they could help with the whole process, which was greatly appreciated. All the team made the house moving process that bit less stressful and are thoroughly recommended.
Maliha Zaidi
Maliha Zaidi
I recently worked with Charley to set up my contents insurance, and I couldn’t be happier with the experience. She was incredibly knowledgeable, professional, and took the time to explain all the details of the policy, ensuring it met my needs perfectly.The process was smooth and efficient, and Charley made sure I understood exactly what was covered and how the policy worked. She also provided excellent customer service, answering all my questions promptly and with patience.I highly recommend Charley to anyone looking for reliable insurance advice and support. Thank you for making this process so easy and stress-free!
Tom Roberts
Tom Roberts
I can't recommend Frog Financial Management enough!They were friendly, helpful and really responsive. It really felt they went above and beyond for us (saving us a few extra quid too).
Jolijn Bronneberg
Jolijn Bronneberg
Had a great experience with Frog Financial management. They work proactively, give good advise and are always quick on the ball. Would very much recommend.
Owen Adkins
Owen Adkins
If you're looking for mortgage, insurance or any other financial protection advice, you really couldn't do any better than Greg, Charley and the rest of the Frog team. Since putting our house on the market, Greg was very quick to respond and generous with his time - always explaining things clearly and what our options were. With Frog's support, we had trust that we were making the right choices for our family.
John Vassallo
John Vassallo
The team at Frog are oustanding. A big thanks to Charley (who is amazing) at helping with my home insurance.Thank you very much
Tom Harding
Tom Harding
I can't thank Frog Financial enough! They made buying our first home so easy and stress free. Greg was so helpful throughout the whole process and really took time to explain things in detail. The rest of the team were also super helpful and proactive and so responsive to our emails and phone calls. I honestly cannot recommend them enough!
sarah heduan
sarah heduan
Greg, Ruth & the whole team at Frog Financial have been amazing at securing mortgages for myself and my sister. We have had lots of changes & challenges and they have been very helpful & quick at responding to multiple questions! For myself, being self employed, Greg worked wonders to find a lender that worked. Fingers crossed until it all completes!
Lesley Ashton
Lesley Ashton
I highly recommend Frog Financial Management. Charley is fantastic, so helpful and sorts us out every year. Than you
Sacha Podda
Sacha Podda
Can't recommend Craig and his team enough! Amazing family ran business who will work tirelessly to provide you the best service. Got us exactly what we wanted and was always just a phone call away if we had any queries or needed some advice and support.Will definitely be using them again.
Katie Bryden
Katie Bryden
I could not recommend using Frog financials more!They are quick to reply to any queries via email and on the phone. They provide well informed advice and are exceptionally friendly when answering questions.I will definitely be using them again in the future!
Emma Hooley
Emma Hooley
Greg and the team have been super helpful throughout the whole mortgage process! Greg has explained each part of the application with great detail to make sure we understand it fully. They were prompt in their replies and made this a completely stress-free experience, highly recommend!
Paul Singh
Paul Singh
Very professional and knowledgeable service with great detail and kindness, I have been using frog services now for 12 years and am very happy with the products they find for me
Simon Gardner
Simon Gardner
After trying various agents and insurers, Frog FM was able to secure exactly what I needed and for a reasonable premium. Professional and friendly service. I know who to go to first next time!
Roger James
Roger James
I first contacted Frog several years ago and they are now my "go to" company for all financial matters and advice. I have always found them friendly, efficient and easy to deal with, and I applaud their ability to convert "financial jargon" into everyday understandable language.I also especially appreciate that they will contact and remind me when I need to review some aspect of my finances. I can without hesitation fully recommend Frog and all their team members
Alex Woodford
Alex Woodford
Charley and Danni have been exceptional in assisting me with managing my insurance requirements. They offer an outstanding and effortless service.
mireille lavollee
mireille lavollee
Amazing.Charley and Greg were amazing in listening to my needs and being able to offer the best solution for me.Thank you Charley for your patience with me. You have been incredible.I like the fact that they are a local company.I strongly recommend them.
Samantha Simpson
Samantha Simpson
I have used Frog Financial for several mortgages and cannot recommend them enough. Extremely helpful, professional and efficient and always going above and beyond to make the process as smooth as possible and finding the best options for me. Everyone in the team is brilliant to work with and I will of course be using them for all future mortgages! Sam x
Tom Evans
Tom Evans
I dealt with Greg to get a mortgage on my first property - he was fantastic, helped educate me on the process as well as coming up with outside of the box solutions, really happy with the service and will 100% use him again in the future.
Jason Benn
Jason Benn
An exceptional service given. Everyone we have spoken with has gone above and beyond to help us and answer all questions we have. Can not recommend Frog financial management enough and will be using them again in the future.Helena & Jason
Carl Goodman
Carl Goodman
Greg and the team at Frog Financial have been excellent with finding me a mortgage a couple of years ago and managing the renewal recently. They have been able to find the best deals in the market and provide good options and advice based on our conversations. They are friendly, attentive and responsive and I highly recommend them.
Grace Kearns
Grace Kearns
Amazing team could not have done it without them.
andrew grant duff
andrew grant duff
Excellent service from Charley on a non-standard building and contents insurance. She was prompt, and knowledgeable, and helped clarify various issues
Elena Prokopiou
Elena Prokopiou
Phenomenal service. I have and will recommend Frog Financial to everyone. Informative, helpful, great communication, so kind, and we really felt like the whole team cared about us. Took so much of the stress out of the process. We have no doubt that we will use Frog again! 🐸
William Oakes
William Oakes
Arranged our mortgage deal and building insurance with Frog. They were really helpful throughout the whole process and we would have no hesitation at all recommending to others.
K.K. Gres
K.K. Gres
Just the best, Greg helped me find a mortgage for my first property when other mortgage brokers couldn't find one to fit my needs. They were great answering any questions I had and helped me a lot throughout the house buying process. Also helped find and set up house insurance. Will be continuing to use them in the future and I highly recommend them.
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Initial consultation

We offer you initial no obligation consultations. Frog Financial Management will bear the cost of this, where we will: Describe our services more fully and explain the payment options. Gather and analyse personal financial information about you and your aims and objectives. Recommend and discuss any action we think you should take.

Refund of fees
All fees are fully refundable should we be unable to achieve a Lenders Mortgage Offer (as applied for), except in the following circumstances:
Client not proceeding due to own choice. | Client not proceeding due to valuation issues. | Client not proceeding due to property chain issues. |Client non-disclosure of material facts.

Example of fees
for residential mortgages
We typically charge £479,
payable on application.

Standard residential mortgage – £479
Shared ownership and Right to Buy – £524
Product switch – £95
Complex/impaired credit history – £697

Example of fees
for buy-to-let mortgages
We typically charge £479,
payable on application.

Standard Buy-To-Let mortgage – £497
Limited company Buy-To-Let mortgage – £647
HMO Properties/Portfolio landlords*- £679
Product switch – £95
Complex/impaired credit history and non-standard properties – £879
*A ‘Portfolio Landlord’ is defined as client(s) having four or more buy-to-let properties (mortgaged or mortgage free), on completion of this mortgage transaction.

Example of fees
Commercial mortgages
We typically charge £687,
payable on application.

Business Finance – £897
Development Loan – £897
Commercial Mortgage – £687
Bridging Loan – £687

Example of fees
Lifetime mortgages
We typically charge £995,
payable on application.

Standard Lifetime mortgage – £995
Complex property construction types – £1,295