tel: 01173 823 823
Contact@leafifa.co.uk
First Time Buyers — Expert, Local & Independent
Leaf Financial Advisers
Helping you take your first steps on the housing ladder.
Our Mortgage Service....
What sets us apart...
Local Experts
As local Bristol advisers we are familiar with the unique aspects of the Bristol housing market and have worked with many of the local professionals, such as Estate Agents.
Flexible Appointments
We offer flexible appointments, including evenings and weekends, not just 9 – 5. Because good advice fits around your schedule, not ours. Get in touch to book a time that suits you.
Personal Adviser
You will be assigned the same Mortgage Adviser from the start to the end of your journey. Someone to speak to if you need an update, have a query or just want a chat; they will be there for you.
Independent
Our independent status means we are not tied to any group of mortgage lenders. This allows us access to the whole of the market, including several specialised lenders, helping you get the best deal possible.
Free Affordability Check
Free service to give you a clear insight into what you can borrow and what it may cost.
Buying your first home - get in touch
Get in touch today and receive a complimentary consultation to help discuss how much you can borrow, how much it will likely cost, what options you have (fixed-rate vs tracker mortgages, different term lengths and repayment strategies, Incentives like cashback or free valuation)
A Personalised Service to help everything go smoothly
As a Boutique firm, we offer you a tailored, personal service. You will be assigned your own Personal Adviser who will advise you throughout the entire process, from start to finish. They will be available to you whenever you have a query or concern or just need an update.
An adviser can complete all the relevant paperwork for you, liaise with solicitors, lenders and surveyors throughout the process. One application process rather than one for each bank will save you time and reduce the chance of damaging your credit score.
Free Affordability Check
Understand exactly what you can borrow and how much it may cost before you start looking.
Full Financial Analsyis
Discuss your income, expenditure and your financial situation to help fully understand your options.
Full credit history check
Discover any issues early on with a review of your credit history.
How much can you Borrow?
Understand how much could borrow and what impact different LTVS could have.
What might the payments Be?
Get an estimate of how much the mortgage would cost you.
Understand the Process
Discuss the house buying and mortgage process, including valuations, documentation and the process.
Using a broker as a First Time Buyer
Importance of Independent Advice
As Independent and Whole of Market advisers, we have access to the entire broker market of 1,000’s of mortgages, and unlike online comparison sites, our advisers tailor your mortgage to fit your personal circumstances – there is no such thing as a “one size fits all” approach. We are local, based in Bristol and cover the surrounding area. Our expert understanding of the local South West market will help ensure your mortgage goes as smoothly as possible.
At Leaf Financial, everything starts with a friendly, no-obligation chat so we can understand your plans, income and goals. We then run affordability checks, explain your options clearly and search the whole market to find the most suitable mortgage for your circumstances.
Once you’re ready, we handle the full application, prepare the paperwork and liaise with lenders, solicitors and estate agents to keep things moving smoothly. You work with the same qualified adviser from start to finish, and we stay in touch after completion to review your mortgage when it’s time to renew.
Improve the chances of approval
Give us a ring, send us an email, fill out a contact form, send us a WhatsApp, or send a text- however you get in touch we'll make sure to get back to you as quick as we can.
One application
We start with a free, no-obligation chat to understand your situation, goals and timescales. We can speak over the phone or via video call – whatever suits you best.
3. Research & Recommendations
We review the market, discuss different options with you (rate types, terms, repayment options) and make a personal recommendation based on your needs and attitude to risk.
4. Application & Ongoing Support
Once you’re happy, we submit your application, help gather documents, answer lender questions and keep you updated right through to your mortgage offer and completion. You’ll have a named adviser you can contact at any time. We can also help you switch to a new rate if they drop
4. Application & Ongoing Support
Once you’re happy, we submit your application, help gather documents, answer lender questions and keep you updated right through to your mortgage offer and completion. You’ll have a named adviser you can contact at any time. We can also help you switch to a new rate if they drop
4. Application & Ongoing Support
Once you’re happy, we submit your application, help gather documents, answer lender questions and keep you updated right through to your mortgage offer and completion. You’ll have a named adviser you can contact at any time. We can also help you switch to a new rate if they drop