- Europa House, Marsham Way Gerrards Cross, SL9 8BQ
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- Call us on 01753 463391
Getting on the property ladder can feel overwhelming, but with the right mortgage advice and deposit assistance, your first home is within reach. Speak to our first-time buyer specialists today.
Speak to us
Call 01753 463391 or just pop in your details below and one of our expert mortgage advisers will personally reach out to help you take the first step.
Navigate your first property purchase with confidence through our specialist first time buyer mortgage service. We provide comprehensive guidance on deposit requirements, government schemes including Help to Buy and Shared Ownership, plus access to 95% LTV mortgages from leading lenders. Our CeMAP qualified advisors demystify the homebuying process, from mortgage in principle through to completion, ensuring you secure the best rates for your circumstances in Gerrards Cross and Buckinghamshire.
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As a general rule, UK lenders will typically advance around 4 to 4.5 times your annual income when assessing what you might borrow for a mortgage.  That means if you’re aiming for a £300,000 mortgage, you’d likely need an income in the region of £67,000–£75,000 (300 ÷ 4.5 ≈ £66,700). At Hearthstone Advisory Limited we always remind first-time buyers this is a rule of thumb — your actual income requirement may be higher or lower depending on deposit size, other debts, credit score and lender criteria.
Yes - a salary of £30,000 can be sufficient to get on the property ladder, but it will depend on the value of the home, deposit amount and borrowing multiple. For example, borrowing 4.5× income would give about £135,000 on a £30,000 salary. At Hearthstone Mortgages we work through affordability calculators with you, taking into account monthly outgoings, interest rate stress tests and deposit size to see what is feasible, it’s not simply about minimum salary.
No, the notion of “50% off” for first-time buyers is misleading. While first-time buyers in England may benefit from stamp duty relief on properties up to a certain value (for example no Stamp Duty Land Tax on homes up to £300,000) and there are special government-schemes (eg First Homes Scheme)  these are not blanket 50% discounts across the board. At Hearthstone we explain clearly which schemes you may qualify for and how these impact affordability and choice.
Typically lenders will allow first-time buyers to borrow around 4 to 4.5 times their income as a starting benchmark. Some lenders may offer higher multiples (5× or more) in specific circumstances, for example high deposit, strong credit or professional income. At Hearthstone Mortgages we assess each case individually: income, outgoings, deposit size, property value, and then guide you on credible borrowing scenarios so you know roughly what size of home you can aim for.
Meet the experts behind our success. Each adviser at Hearthstone Mortgages holds CeMAP or higher-level certifications, real property experience, and deep knowledge of specialist lending. This includes buy-to-let portfolios, bridging finance, equity release, and commercial lending.
CeMAP
Founder and Managing Director
Ajay is the Managing Director of The Hearthstone Group, who excelled in the mortgage advisory space leading him to founding Hearthstone Mortgages in 2019. In addition to being at the top of the game in the UK advising on mortgages, bridging loans, protection and more, Ajay has built his own property portfolio across the UK. He has spoken on numerous panels throughout his career to fellow investors and mortgage lenders, and is a highly valued spokesperson for one of the most active property networks around.
Ajay’s fuel for helping as many people as possible drives him to continue growing the Hearthstone brand making sure that the knowledge he and his team share with clients is invaluable, creating possibilities that seem unattainable.
When he’s not securing property dreams for himself and mortgage clients, Ajay can be found hanging around the film studios as an actor and multiple award winning producer with over 20 projects to his name.
CeMAP, CeRER, PhD
Office Manager and Senior Adviser
Jordanne is an award-winning and highly experienced Senior Adviser across mortgages, equity release, commercial property, bridging, development finance, protection and will writing. Jordanne oversees the day-to-day operations at Hearthstone Mortgages; her drive to help her clients achieve their dreams is unmatched and her constant praise and reviews speak for themselves.
Additionally, Jordanne is a tennis 4x Paralympic medalist and 13x Grand Slam champion, having competed at the highest levels, prior to bringing her quite literally Olympic level ambition to Hearthstone.
CeMAP
Specialist Mortgage & Development Finance Adviser
Jamie brings a unique edge to Hearthstone Mortgages, combining a deep understanding of property finance, construction, and investment strategy. Before joining the industry, Jamie spent several years working hands-on in the construction sector — giving him a practical, ground-level insight into how property really works.
As a buy-to-let investor and adviser, Jamie specialises in helping landlords, developers, and portfolio clients across the South Coast and South East secure finance for everything from single-unit lets to multi-million-pound development schemes.
Jamie’s advice is always direct, strategic, and rooted in real-world experience. Whether you’re navigating complex lending criteria or looking to scale your portfolio, Jamie works to cut through the noise and deliver results, not jargon.
He primarily supports clients in Chichester, Bognor, Portsmouth, Southampton, Brighton, Hove, Eastbourne, and across the GU, RH, KT postcodes in Surrey, as well as Bournemouth.
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Just pop in your details and one of our expert mortgage advisers will personally reach out to help you take the first step.
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