First-Time Buyer Tips from a Mortgage Adviser: Mortgage Basics, Saving for a Deposit and How to Avoid Common Mistakes with Philip Keith from Mellow Financial

If you're thinking about buying your first home but have absolutely no idea where to start - please do not worry, you are not alone.

This week on the pod, we’re tackling one of the most confusing and overwhelming Quarter-Life Questions out there: What do first-time buyers actually need to know when it comes to mortgages?

Joining me is Philip Keith, an expert mortgage adviser and founder of Mellow Financial. Philip helps first-time buyers make sense of the whole process — from saving for a deposit and keeping an eye on your credit score to what actually happens when you apply for a mortgage. Whether you’re years away from buying or just about to book your first viewing, this episode is packed with straightforward and practical advice. 

✨ In this episode, we chat about:

• Where to start if you’re thinking about buying
• How much you you can borrow
• Biggest mistakes first time buyers make and how to avoid them
• What a mortgage broker/ adviser actually does 
• The truth about credit scores and how much they actually matter 

💬 More about Philip:

Philip Keith is a friendly and very personable mortgage adviser at Mellow Financial. Philip has over 20 years experience working in financial services and started Mellow Financial in 2019. He specialises in helping first-time buyers feel confident and clear about their home-buying journey. No jargon, no pompous suits — just honest, tailored advice to help you get where you want to go.

Website: mellowfinancial.co.uk

TikTok: @philip_mellow_financial

Instagram: @mellowfinancial

📲 Want to get involved?

Got a Quarter Life Question you’d love to hear answered on the pod?

DM me on Instagram @gracemcintosh1 or TikTok @gracemcintosh_ — I’d love to hear from you!

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Thanks for listening — and I’ll see you on the next one!

Grace x

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