Rosewood Wealth Management

Rosewood Financial Advisers

Looking To Purchase Your First Home?


First Time Buyer Mortgages
in chesterfield

At Rosewood Wealth Management, we offer a range of first-time buyer mortgages for those looking to buy their first home in Chesterfield and throughout the UK. We specialise in guiding you through every step of the process of buying your first property. Working alongside lenders on your behalf, we handle everything from paperwork to negotiation, keeping the journey to buying your first home as stress-free as possible.

Taking that first step onto the property ladder can be a very daunting prospect. The team at Rosewood Wealth Management specialises in finding the best first-time buyer mortgage deals based on your circumstances.

Buying Your First Home

When you decide to take the first step towards buying your first home it’s good to know you have Rosewood on your side. We look at the big picture, factor in lifestyle, and goals to find the most suitable first mortgage product that works for you. Part of our service is helping you to be realistic about the amount you can spend on your first home to ensure the intended mortgage is affordable.

Your First Mortgage

By working with all lenders, big and small, mainstream and specialist, we give you access to a comprehensive range of mortgage rates, whatever your situation.
Factoring in all expenses such as solicitor and survey fees and possible works on your new home, we consider everything when looking at purchase prices. This process guides how much a mortgage lender may allow you to borrow comfortably.

How we can help you with your first mortgage product

At Rosewood Wealth, we believe in providing all of our clients a truly individualised financial advice service. We are here to help find the right first time buyer mortgage for you and get you on the property ladder.

Frequently Asked Questions

How much deposit do I need to buy a house?

Typically, you need to try to save at least 5% to 20% of the purchase price.

For example, if you want to buy a home costing £150,000, you’ll need to save at least £7,500 (5%).

Saving more than 5% will give you access to a broader range of cheaper mortgages available on the market.

Budget for the other costs of buying a home

In addition to your monthly mortgage payments, there are additional costs when purchasing a home.

These include:

  • Survey costs
  • Solicitor’s fee
  • Removal costs
  • Buildings insurance
  • Initial furnishing and decorating costs
  • Mortgage arrangement and valuation fees; and
  • Stamp Duty – First-time-buyers will pay no Stamp Duty on the first £300,000 for properties worth up to £500,000.

Make sure you can afford your monthly repayments

As a first-time buyer, the most essential thing to bear in mind is whether you can really afford to take this step.

It’s a good idea to work out a budget before you start looking at properties.

As part of the mortgage application process, you’ll need to show the lender evidence of any outgoings you have and prove your income.

What is an agreement in principle?

An agreement in principle is a written estimate from a mortgage lender, giving you an indication of how much money you can borrow. You can show this to estate agents and vendors to prove you’re a serious buyer and can, in theory, get a mortgage.

If you’re getting a mortgage jointly with someone else, the agreement in principle will state how much it will lend on the joint application.


Hear what a few of our highly satisfied clients have to say

Shannan was fantastic made the process really easy to understand and supported me at every step, without Shannan and her expertise i wouldn’t have known where to start.

Client In Derbyshire

From start to finish Shannan was fantastic. She managed to secure us a Mortgage under very difficult circumstances. Keeping me updated all the way and going beyond the call of duty in her dedication to our needs.

Client In South Yorkshire

Shannan at Rosewood dealt with our enquiries perfectly. The level of service is exceptional, the products on offer were tailored exactly for our needs. Shannan also saved us loads of money. Which helps! Very happy. Would highly recommend!

R Fish
Google Review

Reviews and Ratings for Financial adviser Shannan Pool-Gorman, Sheffield
Reviews and Ratings for Financial adviser Donna Robertson, Sheffield

Contact our experts

Expert financial and mortgage advice tailored to you

Mortgage calculator

You can use the mortgage calculator below to help calculate your monthly repayments


Your total monthly payment

Principal & Interest


Rosewood Wealth Management Ltd

4th Floor, 1 Waterside Place
Basin Square, Brimington Road,
Chesterfield, Derbyshire
S41 7FH
United Kingdom (UK)

Phone: 01246 932300

Registered in England and Wales Registered Company Number : 08291755. Registered address: 4th Floor, 1 Waterside Place, Basin Square, Brimington Road, Chesterfield, Derbyshire, S41 7FH.
Directors: Donna Robertson & Shannan Pool-Gorman


Monday 9:00 AM - 5:00 PM
Tuesday 9:00 AM - 5:00 PM
Wednesday 9:00 AM - 5:00 PM
Thursday 9:00 AM - 5:00 PM
Friday 9:00 AM - 5:00 PM
Saturday Closed
Sunday Closed

What to do if you have a complaint: If you have a complaint or dispute with us, you are entitled to make a complaint. We have a complaints procedure that is available on request. If you wish to register a complaint, please contact us either in writing, by telephone or email. If you wish to register a complaint, please contact us: In writing: Shannan Pool-Gorman, 4th Floor, 1 Waterside Place, Basin Square, Brimington Road, Chesterfield, Derbyshire, S41 7FH. Email:, or by telephone 01246 932300. Please be assured we treat complaints seriously. For your protection, if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (‘FOS’). Please see the following link for further details:

A lifetime mortgage is secured against your home and is a complex product. To understand the features and risks, ask for a personalised illustration. Your home or property may be repossessed if you do not keep up the repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. The value of your investment can go down as well as up and you may not get back the full amount invested. Accessing pension benefits early may impact on levels of retirement income and your entitlement to certain means-tested benefits. Accessing pension benefits is not suitable for everyone. You should seek advice to understand your options at retirement.

© 2019 Rosewood Wealth Management | Rosewood Wealth Management is a trading style of Rosewood Wealth Management Ltd which is Authorised and Regulated by the Financial Conduct Authority – number: 841587. You can check this on the Financial Services Register by visiting the FCA’s website – or by contacting the FCA on 0800 111 6768. The Financial Conduct Authority does not regulate taxation advice, university/school fees planning some aspects of buy to let mortgages. The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK. The FCA’s consumer website address can be found here.