Know Where You Stand: Move Forward with Confidence
Most first-time buyers wonder if they can afford a home. Smart buyers make sure they’re prepared for every step, including protecting their future.
The First-Time Buyer Affordability & Protection Health Check is more than a mortgage calculator. In just a few minutes, you’ll get a personalised snapshot of your deposit strength, borrowing confidence, monthly affordability, and protection readiness. See where you’re strong, where you might need support, and what your best next move is, before you speak to an adviser. With over 70% of first-time buyers feeling anxious about hidden costs and long-term security, this Health Check brings clarity, confidence, and expert insight from a trusted team that understands the real challenges of buying your first home. Take control of your journey and make choices that keep you safe and secure for years to come.
Your Personalised Scores: What We Assess
Deposit Position
See how your savings and deposit stack up against what lenders and the market expect for first-time buyers.
Borrowing Confidence
Find out how confident you can be in qualifying for the right mortgage based on your income, credit, and financial history.
Monthly Affordability
Discover whether your current finances will comfortably support your new monthly payments and living expenses.
Protection Readiness
Learn if you have the right safeguards in place should life circumstances change unexpectedly after you buy.
WHO WE ARE
I'm Si The Mortgage Guy
Buying your first home is one of the biggest financial decisions you'll ever make, but it doesn't have to be stressful. I'm Simon Hannam, better known as Si the Mortgage Guy, and my job is to make the mortgage process simple, straightforward and completely tailored to you.
With years of experience helping first-time buyers, home movers and remortgage clients, I take the time to explain everything in plain English, answer every question (no matter how small), and guide you from our very first conversation right through to getting your keys. I'll compare thousands of mortgage products, explain your options clearly, and make sure you're not only getting a suitable mortgage but also understand exactly what's happening at every stage.
My business has been built on trust, recommendations and consistent 5-star reviews because I genuinely care about helping people make confident financial decisions. Whether you're just starting to think about buying your first home or you're ready to apply today, I'll be with you every step of the way.
Ready to See How Prepared You Really Are?
Take the free First-Time Buyer Affordability & Protection Health Check and get instant insights into your homebuying strengths and vulnerabilities—so you can move forward with clarity and confidence.
