Intelligent Adviser Ltd

Your first home. Done right.

First-Time Buyer Mortgage Advice in Leicester & West Midlands

Stepping onto the property ladder in Leicester or the West Midlands doesn't have to be a maze of jargon. We provide the expert guidance, whole-of-market access, and steady hand you need to move from "searching" to "sold.
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The Challenge

Tailored Mortgage Services Leicester

Small Deposits

Small Deposits

95% Mortgages. We know which lenders are backing first-time buyers with 5% deposits, including those using the latest government-backed schemes.s.

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The Jargon Barrier

Translation, not just Talk. We strip away the "LTVs" and "SVRs" to give you clear, honest advice you can actually use.

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The Paperwork Maze

End-to-End Handling. From your Decision in Principle to chasing solicitors on completion day—we do the heavy lifting.

The 2026 FTB Roadmap

  1. The Budget Blueprint: We calculate exactly what you can afford, including those hidden costs like 2026 Stamp Duty and surveys.
  2. The Agreement in Principle (AIP): We get you "buyer-ready" so agents take your offers seriously.
  3. The Perfect Match: We scan 100+ lenders to find the rate that fits your lifestyle, not just the bank's criteria.
  4. Key Handover: We manage the application process through to the moment you turn the key in the lock.

 

Pro Tip: 2026 Stamp Duty for First-Time Buyers : "In 2026, if you are buying your first home for less than £425,000, your Stamp Duty is £0. Buying something a bit bigger? We’ll help you calculate the exact relief available if the property is under £625,000."

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