1st Mortgage Services

07/09/2026

04/09/2026

Struggling to borrow enough for your first home?

This new mortgage could change all that.

Leeds Building Society just addressed that head-on with their new Start Mortgage.
🔑 Up to 5x household income — a real jump for buyers who've been told "you just can't borrow enough" by every other lender
🏠 Up to 98% LTV — meaning you could get on the ladder with a deposit as small as £5,000
🎁 Gifted deposits welcome
💼 Open to both employed and self-employed applicants
The details:
📌 Selected 5-year fixed-rate products only
📌 Available between 95%–98% LTV
📌 New build properties not included
📌 Minimum gross household income of £30,000
If income has been the thing holding you back — not the deposit — this could be worth a conversation.

📩 DM us or drop a comment to find out what you could borrow.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Subject to status, affordability and lending criteria. Rates and terms apply. Low deposit may result in higher repayments and increased overall borrowing costs.

02/09/2026

The mortgage secret most people don't know 👀

Most people just compare the headline rate and pick the cheaper one. But brokers look at a few other things too:

🔸 Early Repayment Charges (ERCs) aren't equal — a 5-year fix locks you into penalties for longer if you need to exit (sell, remortgage, overpay big). Always check the ERC schedule, not just the rate.

🔸 "Product transfer" vs full remortgage — sticking with your existing lender at the end of a fix is often quicker and cheaper (no legal fees, no new affordability checks), but you could be missing out on better deals elsewhere. Worth reviewing both routes every time, not just renewing automatically.

🔸 Most fixes let you overpay up to 10% a year penalty-free — so even on a 5-year deal, you're not fully stuck if your income goes up and you want to chip away at the balance.

🔸 Rate isn't everything — arrangement fees can swing a "cheap" deal into an expensive one once you add it up over the term. Always compare the true cost, not just the headline %.

💬 The right term depends on your risk appetite, life plans, and how the market's looking.

"Message me, Jen, and I'll run the numbers for you." 🙂

28/08/2026

Thanks for the fantastic review Isla! 🙂

Send us a quick message now and see how we help other First time Buyers and Homemovers in Thirsk secure their home for the future....

27/08/2026

As we had a right laugh playing 'Match the Mutt' yesterday with the Mortgage Advisers, we thought we'd do the same with the admin team!

Can you guess which dog 'owns' which owner.....? 🤔😃

Comment below and add your own to the mix!

27/08/2026

As we had a right laugh playing 'Match the Mutt' yesterday with the Mortgage Advisers team we thought we'd do the same with the admin team!

Can you guess which dog 'owns' which owner.....? 🤔😃

Comment below and add your own to the mix!

26/08/2026

We love dogs when they come into the office, and it got us thinking.....🤔😄

"Which room does your dog think they OWN? 🐶

🛋️ Your living room sofa?
🛏️ Your bed?
🚪 By the front door doubling as a draft excluder?
🍽️ The kitchen?

Let us know with a comment below!