Friendly, expert mortgage advice for first‑time buyers, home movers and remortgagers

Buying your first home should be exciting — but it often comes with a lot of questions. At Five Star Mortgages, our Corby‑based team supports clients across Corby, Kettering, Northampton, Wellingborough, Rushden, and the wider Northamptonshire region with clear, personal mortgage advice.

Before we dive in, here’s something to help you immediately:

🎧 New: First‑Time Buyer Podcast Series (YouTube)

Want a simple, friendly breakdown of how buying your first home really works — in England & Wales?

Check out our First‑Time Buyer Podcast, where our team explains the full process, including deposits, credit scores, 95% mortgages, 100% family‑assist options, when to speak to a broker, and more.

👉 Watch Episode 1 here:

⭐ Why First‑Time Buyers Choose Us

✔ Local Northamptonshire expertise

Our office is based in Corby, giving us a deep understanding of the local property market — from new‑build estates to popular first‑time buyer hotspots across the county.

✔ Personal, one‑to‑one support

You'll never deal with a call centre. You get your own dedicated adviser who explains everything clearly and guides you step‑by‑step.

✔ Access to a wide panel of lenders

We search a broad range of lenders — including high‑street banks and specialist providers — to match you with the best options for your situation.

✔ Clear, jargon‑free explanations

We break everything down simply: deposits, affordability, interest rates, applications, surveys, solicitors and completion.

✔ Flexible appointments

Prefer face‑to‑face in Corby? Video call? Phone? WhatsApp?
We work the way you prefer.

🏡 How Buying Your First Home Works — Step by Step

1. Understanding your budget

We assess your income, deposit, spending and credit situation to give you a realistic price range.

2. Getting your Decision in Principle (DIP)

This shows sellers and estate agents you’re a serious buyer and confirms what you can borrow.

3. Viewing properties in Northamptonshire

With your budget confirmed, you can confidently view homes across Corby, Kettering, Wellingborough, Northampton and beyond.

4. Making an offer

We guide you on how to present your offer and what to expect next.

5. Applying for your mortgage

We handle the application, liaise with the lender, and keep you updated throughout.

6. Surveys, solicitors and legal checks

We explain what happens at each stage and help coordinate with your solicitor.

7. Getting your keys

We stay with you right through to completion — and beyond if you ever have questions.

🔑 First‑Time Buyer Mortgage Options We Can Help With

• 95% mortgages

• 5% deposit options

• 100% family‑assist & guarantor‑based products

• New‑build mortgages

• Shared ownership

• Joint borrower / sole proprietor options (JBSP)

• Self‑employed & contractor‑friendly lenders

• Support for buyers with credit challenges

If you’re not sure which route fits you, we’ll talk you through everything clearly.

📍 Serving First‑Time Buyers Across Northamptonshire

We support clients in:

• Corby

• Kettering

• Wellingborough

• Northampton

• Rushden

• Raunds

• Market Harborough

• Desborough

• Thrapston

• Oundle

• Burton Latimer

• And surrounding villages

Not in Northamptonshire? Our advisers also help first‑time buyers remotely across England & Wales.

❤️ What Makes Our First‑Time Buyer Service Different

• We explain every step using plain English

• We never rush you — it’s your first time, and it should feel exciting

• We update you before you even need to ask

• We treat every client like a long‑term relationship, not a short transaction

For many of our clients, we’re the first people they call when they start thinking about buying a home — and that’s exactly how we like it.

🌟 Ready to Start Your First‑Time Buyer Journey?

Whether you're just exploring your options or ready to begin, our Corby-based team is here to guide you.

Reach out today — and let’s take the first step towards your new home. Complete the form below and one of our friendly mortgage experts will call you within 24 hours.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Frequently asked questions for first-time buyers 

Q. What is a repayment mortgage?

A. This is a popular type of mortgage product. The monthly mortgage repayments will cover capital (the initial sum of money you borrowed) and interest (what you’re being charged in interest to borrow the money). When the term of your mortgage comes to an end, the mortgage balance will be paid off and you will own the property outright.

Q. What is an interest-only mortgage?

A. The monthly repayments only go towards the interest on the amount borrowed from the lender, the loan amount is not reduced and remains the same throughout the mortgage term. It makes the monthly payments lower than a repayment mortgage. However, at the end of the mortgage term, you’ll need to pay back to the lender the amount you borrowed. This is often financed through a separate investment or funds acquired from the sale of the property.

Q. What does SVR mean?

A. This stands for Standard Variable Interest Rate and is the value set by individual mortgage lenders. It will change in line with the market but generally follows the changes to the Bank of England base rate.

Q. What does LTV mean?

A. It means Loan to Value and relates to the amount of your mortgage (the loan) versus the value of the property (the value). For example, if you’re buying a house that is £100,000 and a mortgage provider grants a loan of £90,000, the LTV is 90%. In general terms, the lower the LTV the lower the mortgage interest rate.

Q. What is an Early Repayment Charge (ERC)?

A. This is the amount you need to pay for clearing your mortgage loan early and is usually a percentage of the loan value. It could be a fixed sum or an amount that decreases over time.

Get in touch today for a FREE consultation

Book an appointment through our form or call today on 0300 303 4676 to speak with one of our experienced financial advisers.