First-time buyer mortgage advice in Sunningdale.
Buying your first home is mostly a series of questions: what can I borrow, what deposit do I need, and what happens next? Our advisers answer them in plain language, from our office in Sunningdale.
What we’ll talk through.
What you could borrow
Lenders assess income, outgoings and credit history differently. We'll give you a realistic range rather than an optimistic one.
Deposit and schemes
How the size of your deposit affects your options, and which lender criteria apply to gifted deposits.
The first steps
Decision in principle, offer, survey and completion, explained in the order they actually happen.
Advice from people you can meet.
We work from an office in Sunningdale and advise clients across Ascot, Windsor and the wider Berkshire area. Our mortgage service sits within Ascot Wealth Management, so your mortgage can be considered alongside the rest of your financial position.
Meet the teamHow products of this kind are structured.
Example two-year fixed
4.59%
- Initial term
- 2 years
- Max LTV
- 90%
Product fee: £999
Buyers with a 10% deposit who want certainty over the first two years.
Example five-year fixed
4.34%
- Initial term
- 5 years
- Max LTV
- 95%
Product fee: No product fee
Buyers with a smaller deposit who prefer a longer period of fixed payments.
Illustrative examples only. These are not live lender rates, not a quotation and not an offer of credit. Last updated 2026-09-15.
Illustrate your repayments.
Indicative only, not a quote
Estimated monthly repayment
£2,890
- Property value
- £650,000
- Deposit
- £130,000 · 20.0%
- Loan amount
- £520,000
- Term
- 25 years
- Rate
- 4.50%
- Loan to value
- 80.0%
- Total payable
- £867,099
Indicative only. This calculator does not constitute a mortgage quotation or offer. Actual repayments, rates and eligibility depend on your individual circumstances and lender criteria. Figures are calculated on a capital and interest repayment basis and exclude fees. Your home may be repossessed if you do not keep up repayments on your mortgage.
Start with a conversation.
Tell us what you’re looking to do and when suits you. No obligation.