HFS-Single-Brochure-2-scaled-1024x683 First Time Buyer Guide

You’ve made the decision to buy your first home — congratulations! This is such an exciting journey for you, but don’t forget that buying your first home can seem rather daunting once you get into the paperwork and appointments with solicitors.

You certainly want to get it right the first time after all, your first home is probably the most money you’ll have ever spent in one go. So you want to make sure you get it right.

Our expert mortgage advisers have created this handy First-Time Buyer Guide to help you understand the terms and the whole process of buying your first home. We even include some handy checklists and tips for moving day.

If there’s anything else you want to know that the guide doesn’t mention, we’re just a phone call or an email away, so don’t hesitate to get in touch!

The First Time Buyer Guide Contains

The Property Search & Beyond

A First Time Buyer’s Practical Checklist

Understanding Your Credit Rating

Client Reviews

I would just like to take the time to say how amazing Imran Hussain has been . From the very start of my journey he’s always been on hand with whatever questions I might of had. Having a difficult start with another mortgage broker who pretty much told me I couldn’t get a mortgage I chose Imran who turned it around within a matter of a week and I had a mortgage offer. The phone calls the texts the emails just put my mind at ease and I would recommend his services to anybody but not only that he has got me income protection and critical illness cover at such an affordable cost . Thank you again Imran!!!!!


Imran was always prompt with his responses, and could not have been more helpful. He made the whole experience an incredibly smooth process. As first time buyers, Imran’s level of knowledge put us at ease. I would definitely recommend Harmony Financial Services.
Imran sorted myself and my partners first mortgage out quickly and efficiently. Imran managed to find a mortgage with a 10% deposit which were few and far between, given the current circumstances. I would not hesitate to recommend HFS. The whole process was stress free and we were able to rely on Imran to sort any queries we had.
I contacted a few different brokers before deciding to use Harmony Financial Services. I liked that Imran was very straightforward and immediately told me what my options would be. He was always available for any questions I had and responded promptly to emails and calls. He has now managed to take me all the way through to getting a mortgage offer in less than 3 weeks, despite the fact I am on a stipend income as a postgraduate student. Overall, high quality services even for people like me who might struggle finding the right mortgage due to complicated circumstances.
Imran from Harmony Financial Services has been nothing short of superb. After a negative experience elsewhere, we were feeling defeated and anxious. Imran put all our concerns at ease and supported us every step of the way, even when we encountered challenges. He was knowledgable, responsive and dedicated. We would 100% recommend and will definitely use in the future.
Was put onto Imran’s services by another company after we thought we wouldn’t be able to get a mortgage. Imran found us a deal very quickly and was brilliant every step of the way, very calm and easy-going, makes everything easy to understand and always available to talk to if needed. Couldn’t fault his services at all and would highly recommend to anyone looking for a mortgage.

Why Harmony Financial Services?


We’re totally unbiased and focused on providing you with our award-winning whole of market mortgage & protection advice.

A Truly Personal Service

We work around you and your schedule to help you arrange mortgage & protection that suits your circumstances, no matter how complex.

One Point Of Contact

We ensure you never feel alone in your home buying journey and always on hand to answer any questions you may have.