.png)
01270-749595
First Time Home Buyer.
Whether you’re buying your first home or looking for a new investment property, there are lots of stress and complications involved in mortgages and financing. That’s where I come in. I help my clients with this service and so much more. Reach out today to learn more.
When looking to buy.
Savings
Save as much as you can for your deposit. The more equity you have in the property, the more competitive the interest rates tend to be. For example, increasing your deposit from 8% to 10% of the value of the property may produce a more competitive range of mortgage rates.
Affordability
Find out what you can afford – we can help here! You can either speak to one of our mortgage advisers directly or use our Virtual Adviser to review your borrowing potential online.
Qualifying
You may qualify for a government scheme to get you started on the property ladder. Check out which government schemes are available – Link to government schemes Government Schemes
Agreement
Get a mortgage agreement in principle. A lender will provide a statement confirming they will lend you a certain amount ‘in principle’ based upon basic information you have provided. This is useful when beginning your property search.
Credit score
Lenders will look at your credit report to ensure you can afford a mortgage and that you'll repay what you take out.
