First Time Buyer
Buying your first house and getting a first time buyer mortgage can feel a daunting task. Having that guiding hand throughout the process to home ownership can help take the pressure off and reduce the stress of it. All mortgage lenders are different and where one lender will say no, another will say yes. This is why using an independent mortgage adviser is so valuable to guide you to the right lender, who will lend you the amount you need as well as ensuring that you are getting this at the lowest rates possible.
Find Out How Much You Can Borrow
You may be right at the start and are not yet sure how much you can borrow for a first time buyer mortgage. This is an important step to understand so you know what your budget is when shopping around for a house.
To discover how much you can borrow use our quick online assessment tool
Understand How Much Deposit You Need
How much deposit you have will affect the amount you can borrow and the interest rate you will pay on the mortgage. There are various schemes in effect to help with deposit. To discuss the options available and if you have enough deposit contact your local adviser.
Getting Advice on The Lowest Rate
Using an independent adviser has the advantage of accessing the whole of the market for mortgages. Unlike dealing with your bank for a first time buyer mortgage, where they only have access to their own rates.
An independent will guide you to the lender that is right for you. They will help you find the lowest cost mortgage that will lend you the amount that you need.
What our client sayView all Quotes
Yes, we were able to get a mortgage with no fuss, within the budget we had and with minimal fees. I was surprised at how organised he was, although I have to acknowledge the wife who made sure we had all the paperwork organised!.
Mr Abbott, exeter
Paul was able to find me a very competitive mortgage and complete the application process. At the time of this meeting Paul talked me through all of the implications of protecting my family in the event of ill health etc and put together a proposal of solutions to ensure that we were financially protected. When I needed to review my pension provision I had no hesitation in speaking to Paul and he offered valuable advice.
Mrs Robbinson, christchurch
James was able to find better rates than was being through the high street banks I had visited. He also saved me money on life assurance as well.