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Where do I start as a first time buyer?

When it comes to buying your first home it’s simple, start by getting in touch with us.

Buying your first home is a big financial commitment and it can therefore feel daunting. What’s more is finding the right mortgage can be stressful and time consuming as you want to make sure that you’ve got it right. Let us deal with this part, whilst you relax and get excited about your new chapter and can invest time planning what colour you want to paint your walls or what sofa you will be buying: the fun stuff.

How does getting a mortgage work?

In order to get a mortgage you have to know how much you are able to borrow from lenders and whether this is affordable for you. Having an adequate deposit is also important and can be a hurdle for many first time buyers as having a small deposit can mean that your mortgage options are restricted. There are, however, first time buyer mortgage schemes available which your mortgage adviser can discuss with you.

Making sure that your finances are in order is then a priority as you will need to demonstrate to your adviser and the lender that you can afford the property. Monitoring your credit rating is important as many lenders use credit score as a means of deciding whether or not to lend to customers. You can do this by downloading a credit file. Speak to your mortgage adviser about this as some providers are better than others as they include information for more than one credit rating agency. There are

lots of small things which can improve your financial health and potentially help you get a mortgage. Some of these are below but your mortgage adviser will be able to discuss further.

· Considering whether you can potentially repay any outstanding loans may strengthen your overall financial position.

· Show regular savings.

· It is also important to contemplate whether you have sufficient debt to be able demonstrate that you can service the debt. Having a credit card and repaying this month to month can demonstrate that you are able to manage debt.

· Getting yourself registered on the electoral roll.

· Making sure that you make any payments towards debts on time.

· Don’t apply for credit multiple times in a short period of time.

Why Choose Your Expert Mortgage?

Our professional, friendly mortgage advisers are experts when it comes to helping first time buyers get mortgages. With access to over 12,000 mortgages from over 90 lenders we will find the right mortgage to suit your needs and get you onto the property ladder. We’ll do as much of the work as possible and guide you through the whole process from our initial chat through until the day that you get the keys to your home.

What will the mortgage adviser need from me?

Our advisers can meet face to face or can conduct meetings by telephone. Regardless of your preference, our advisers will take into consideration your personal circumstances and needs, including your income, outgoings, deposit money etc. We will have an initial chat with you to gather some basic information which will help us understand your financial position and can therefore help us recommend a suitable mortgage deal.

To book an appointment to speak to an adviser, please get in touch with us today. 

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Because we play by the book we want to tell you that…

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.

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