First-Time Buyer | Boon Brokers Mortgage Case Study

Client Case Study

Welcome to our Client Case Study page, where we highlight genuine stories from people who have worked with Boon Brokers.

Each case study provides you with a fresh perspective on exactly how our mortgage process unfolds, starting with the first conversation and ending with the mortgage that matches your needs. By sharing our clients’ journeys, we reveal how our expert advisers support first-time buyers, those looking to remortgage, and investors, with practical guidance every step of the way.

Let’s jump into Freya’s story to see how Boon Brokers made buying her first home straightforward, supportive, and stress-free.

Her Review

Her Case Timeline

Start

Welcome to Boon Brokers

Freya was referred to Boon Brokers by her parents, who have used our services frequently over the years for many different purposes. She saw that the company had an Excellent reputation online and operated entirely fee-free – exactly what she was after.

Mortgage Consultation

Josh Lillie was the acting broker for Freya’s case. He arranged a consultation to discuss Freya’s requirements, the process, expected costs, Freya’s likely mortgage capacity, and more. After the call, Josh researched the mortgage market.

Agreement in Principle

With Josh’s whole of market access, he was able to identify Freya’s most suitable mortgage product. Josh advised a 2 Year Fixed Rate product due to Freya’s requirements. Josh then generated an AIP with NatWest and advised Freya on the next steps.

Full Mortgage Application

Once Freya had an offer accepted for a property, Josh re-sourced the market to ensure NatWest were still the most suitable lender based on her purchase price and deposit. Following confirmation, he submitted the application.

Mortgage Offer

After just one week, which included the completion of a physical valuation on her property, Freya’s Mortgage Offer was issued. Josh Lillie packaged the case brilliantly, so NatWest’s underwriters were able to quickly approve the case.

Finish

Client Feedback

Before Starting the Journey

How did you feel about the mortgage process before speaking to Boon Brokers?

I had an idea of the mortgage process from family and friends. My parents spoke to me about mortgaging and remortgaging their home, but no one had explained the process to me in great detail before. I didn’t have any particular worries, but it’s still a daunting process, so having Josh from Boon Brokers explain everything definitely eased my mind!

Had you tried looking for a mortgage or advice elsewhere before finding us?

Yes, I spoke to my estate agent’s brokers, as I wanted to explore different options before settling on the broker of my choice. The estate agent’s broker was late to the meeting, and they were not fee-free. Josh from Boon Brokers was professional from the start, and the fact that they were fee-free was a massive bonus.

Working with Boon Brokers

How would you describe your first conversation with our team?

My parents had recommended Boon Brokers, as they had had a good experience, so I organised a consultation. My initial chat with Josh Lillie was great; he was clear and transparent about the mortgage process. He explained everything thoroughly, which made me feel like I would be in good hands!

How well did we explain your options and guide you through the steps?

The options were explained to me very well. Josh sent me all the information I needed and responded quickly to my emails if I had any questions. He also always offered to chat things through with me over the phone if I didn’t quite understand something. I felt that the company really cared about finding the best option for me.

The Outcome

Did you feel confident about the deal we recommended?

Yes, I felt very confident about the deal that was recommended. We went through multiple options, and Josh was very helpful in laying out which banks provided the best rates and then translating those rates to show what I would be paying each month. Additionally, after mortgage rates dropped, we managed to get a better offer, which was a massive result for me.

Were you happy with the speed or outcome of the process?

Everything with Boon Brokers was very speedy, and I was always kept in the loop about how the mortgage application was progressing. After discussing different mortgage products and receiving advice on which would be the best option, I was very pleased that we secured the mortgage product I wanted!

Personal Reflections

What was the most exciting moment during the process?

Getting the mortgage approved made everything feel real. It was a big milestone in our lives, but also in our relationship, knowing we had just bought our first home together.

How has owning your first home changed things for you?

I haven’t moved in yet, as completion hasn’t occurred, but I will be saving so much money that I would otherwise have to spend on rent, which disappears from one month to the next. It also wouldn’t be invested in a property. On a more sentimental note, owning my own flat is giving me security, which, in my opinion, is the most important aspect.

Recommendation & Final Thoughts

What would you say to other first-time buyers who feel overwhelmed?

When you speak to mortgage brokers, the process can seem daunting. But with Boon Brokers, they will 100% help you understand the ins and outs of buying your first property! Having a conversation with them will lay out what you need to do to be in the best position to buy and will put your mind at ease.

Would you recommend Boon Brokers to friends or family?

I want to say a massive thank you to Josh Lillie from Boon Brokers. Josh walked me through the process of applying for a mortgage, showed me all the different product options, and finally secured my mortgage offer for me. For my first time buying a property, I’m so glad that he was the person who helped me through this process; I couldn’t have asked for a better experience!.

Comments from the Broker

“Advising Freya’s mortgage was a pleasure. As she was referred by family, she already had trust in our service. New clients are sometimes sceptical of our entirely fee-free service, as they believe it’s too good to be true. With Freya, she knew the service was excellent and truly fee-free as she was re-assured by her parents. As a result, Freya was fully engaged with our process and enabled us to quickly receive a Mortgage Offer from her most suitable lender. I look forward to assisting Freya with her remortgage.”

– Josh Lillie
Mortgage, Protection & Equity Release Broker

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