First Time Buying,
As a first-time buyer, you will never have owned a home before. Therefore, getting your first mortgage is one of the most significant steps to buying your first home. However, even though this is an exciting time, there are many steps, some of which are quite complicated.
Done Simply
What is a Mortgage?
A mortgage is a loan you take out to buy a property or land. Typically, this mortgage will run for 25 years, but the term can be shorter or longer if necessary. The money you borrow from the lender is called capital. The lender then charges you interest on that amount until it is repaid. There are many hurdles to cross in terms of mortgages, so let us guide you.
Mortgage Advice for First Time Buyers
As a first-time buyer, you will never have owned a home before. Therefore, getting your first mortgage is one of the most significant steps to buying your first home. However, even though this is an exciting time, there are many steps, some of which are quite complicated.
This also applies to property owners who are looking to remortgage. It can take from a few weeks to several months to complete, depending on the situation.
Therefore, we’ll guide you every step of the way. From deposit advice through to government schemes – we dedicate ourselves to helping you get onto the property ladder in the smoothest way possible.
Expert Advice for First Time Buyers
Overall, we’re here to offer our customers excellent fee free mortgage advice. Our expert advisers will help you secure the best mortgage deal not just for a first-time buyer but for those looking to remortgage their home, buy to let or looking to move up the property ladder. We’ll help you throughout the whole mortgage process with no hidden costs or nasty surprises. We deal in simply straightforward and honest, mortgage advice.
Contact Us
Your opinions are important to us. Whether it is a simple question or a valuable suggestion, we are here 24/7. You can call us by phone or email us directly.
01933 222 441
Why use a Mortgage Broker?
Great Independent Advice
As a broker, we are not tied to any single lender, meaning that we can search the whole of the market to find the perfect mortgage deals for you.
The Whole of Market - Over 100 lenders and 1000's of mortgage products.
With the ability to search the whole of the market, we have access to a whole range of quality mortgage lenders, both from recognisable, high street brands and more niche, specialist lenders depending on your individual needs.
We also have access to exclusive deals that you may not be able to get directly with a lender.
We believe that for most first-time buyers, securing their first mortgage is an exciting yet daunting task. Our aim is to ensure you receive the right guidance and advice from our expert advisers, who will talk you through the mortgage process and make the entire experience as stress free as possible. Not only do we help you find the best mortgage deal available that suits your budget and needs, we work with you throughout your whole buying process, from seeing what you are able to borrow, to finding the right solicitor- keeping you well informed at each stage.
How we can help you through the process for a first time buyers mortgage;
• We complete a detailed review of your circumstances and needs
• We assess your income and expenditure
• We calculate how much your can borrow
• We will get your mortgage 'agreement in principle' before you make an offer
• We have access to thousands of products from many lenders
• We will apply for your mortgage for you and work with the lender until you have a mortgage offer
• We will speak with your solicitors weekly and update you on the progress