At CGO Mortgages, we understand that buying your first home is a huge milestone. It’s exciting, but it can also feel overwhelming with all the decisions, paperwork, and financial commitments involved. That’s why we’re here to guide you every step of the way—making the process smoother, simpler, and less stressful.

Why Work With Us?

We specialise in helping first-time buyers navigate the complex world of mortgages. We take pride in offering bespoke advice tailored to your unique situation. We’ll work closely with you to understand your budget, financial goals, and home preferences, ensuring that you secure a mortgage that fits your needs—not just today, but for the long term.

Understanding Your Options

First-Time Buyers: Your Journey Starts Here

At CGO Mortgages, we understand that buying your first home is a huge milestone. It’s exciting, but it can also feel overwhelming with all the decisions, paperwork, and financial commitments involved. That’s why we’re here to guide you every step of the way—making the process smoother, simpler, and less stressful.

Understanding Your Options

The mortgage market can seem like a maze of different rates, terms, and products. As a first-time buyer, you may have questions like:

• What type of mortgage is best for me?

• How much deposit will I need?

• What are the additional costs involved, such as stamp duty, legal fees, or insurance?

• How do I budget effectively for my new home?

We’ll take the time to explain your options in detail, from fixed-rate to variable-rate mortgages, government schemes like Help to Buy, and how to take advantage of first-time buyer incentives. Our goal is to empower you with the knowledge you need to make confident, informed decisions.