Your home maybe repossessed if you do not keep up repayments on your mortgage.
First time buyer
HOW MUCH CAN I BORROW?
Whether you’ve found your dream home or are just starting your search, you need to know how much you can afford. Your dedicated mortgage specialist will be able to advise you on your maximum borrowing amount and find a solution with monthly repayments that fit your budget. The mortgage product you choose will change these numbers dramatically, so exploring your options and making the right decision is crucial
HOW TO CHOOSE YOUR PROPERTY...
WHAT IS NEXT ?
You will need to provide a deposit, this can be 5% or more. The higher your deposit; this could increase the availability of more attractive mortgages packages. Although the deposit does not need to be paid until exchange of contracts, you will probably need to prove that you have these funds at the outset. When considering the level of deposit, you should bear in mind the other costs associated with buying a property, such as valuation costs, solicitor’s fees and potentially stamp duty.
MAKING AN OFFER
Understanding the amount you are able to borrow and having an ‘agreement in principle’ in place should put you in an advantageous position when finding a property and making your offer. Once your formal offer has been accepted (usually submitted via an estate agent) you can then progress to the next stage of your property purchase.
When your offer has been accepted, you can return to your consultant to talk more specifically about the mortgage repayment type and products you require. This is a detailed process where a great deal of information is taken to assess your financial circumstances and objectives as well as your ability to support the mortgage. We will search the entire mortgage market, to find you a tailor made mortgage package which suit your needs
HOW CAN WE HELP
We save you the hassle.
Your highly trained, professional advisors work with you every step of the way to make the mortgage process simple, saving you time and effort on one of life’s biggest decisions.
We can search the whole of market for mortgages.
Going to a bank or estate agent limits your options and leaves you at risk of getting a bad deal. We have access to hundreds of products across the whole mortgage market and can find you the ideal product for your needs.
We can save you money.
By hand-picking the most suitable mortgage and negotiating competitive rates on your behalf, we can save you up to tens of thousands throughout the term of your mortgage