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You are here: Home / Independent mortgage advice / First time buyer mortgages

First time buyer mortgages

Getting a first time buyer mortgage and buying your first property is an exciting proposition. Whether you’re moving out of the family home for the first time, or out of rented accommodation, it’s likely to be your first opportunity to do things exactly as you want.

However, for the majority of first-time buyers there is one last hurdle to get over before you can relax in your new home – finding a first time buyer mortgage. Before you start looking in the estate agents’ windows you need to get an idea of how much you have to spend, the buying process and the associated purchasing costs.

Why use a specialist mortgage adviser?
There are many different ways to find the right first time buyer mortgage.

Do it yourself route
Many people do choose this option. To be fair, it will take you a long time to visit the mortgage lenders and to try to understand which of their first time buyer products will be suitable and which one overall is the best. How will you know that you have chosen the best mortgage deal?

What we can do for you
Find you the “best mortgage deal”. Being a whole of market Mortgage Adviser means exactly that. As experienced brokers specialising in mortgages, we work for you. It’s our job to take your mortgage case to the market and do the shopping for you.

  • Obtain an Agreement in Principle: For those who want reassurance that they will be able to borrow the sum they are relying on, before they get their heart set on a particular property, we can apply for an agreement in principle. This is given by a lender and details exactly how much it is prepared to lend you, based on your personal circumstances. The mortgage agreement is an indication that you will be able to get a morgage, provided the lender is satisfied with the property you eventually decide to buy. Having an agreement in principle before you go house hunting can be an advantage when a seller faced with two offers may be more likely to accept the one from a buyer who has proof they can get a mortgage.
  • Clarify and explain all the associated purchasing costs: how much you will need, and when you will have to pay. Avoid nasty surprises!

Once you’ve found a property and had your offer accepted we can offer advice on the stages of the Buying Process; what will happen and when.

Dedicated support and processing people: we have a team of qualified people working behind the scenes. The team are there to find solutions to the many mortgage and property related dramas that can unfold during route to completion of the purchase.

Oh and by the way, they are based with our consultants, not at a call centre half way across the world, thats got to be a good thing!

So, if you are looking to buy your first property and want solid, easy to understand advice about first time buyer mortgages and the house buying process please give us a call.

You will only ever be given advice by a fully qualified mortgage adviser based at our offices.

Call us today on 0800 316 5756

There are lots of places to get mortgage advice. Here are just a few reasons to use us.

  • Independent mortgage advice
  • Our advisers have at least 15 years experience
  • Extensive mortgage knowledge
  • Straightforward, honest mortgage advice
  • We are independent from all lenders
  • Friendly and personal service
  • Call us on 0800 316 5756 to find out more

Featured Article

Cheaper with a second charge mortgage

March 8, 2016 By admin

Last week we received a telephone call from a long standing customer. 9 years earlier John had sought our advice to purchase a new home and we had organised a great lifetime tracker mortgage which in the current period of low interest rates had performed well for him; very well. He said that the product that […]

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We will always give you an honest assessment of your mortgage options with all of the costs involved. If you decide to go ahead we will also help with all of the paperwork.

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Registered in England & Wales No: 04125057 THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Typically, we will charge £350 to a maximum of £495 in certain situations for arranging your mortgage and we will be paid commission from the lender, please ask for full details. We are entered on the FCA Register No 207532 at www.fca.org.uk/register/. The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers in the UK. The Financial Conduct Authority does not regulate will writing, finance, commercial mortgages and some aspects of buy-to-let mortgages.