First Time Buyer

Mortgages

Mortgage advice that’s as unique as you are

Buying your first home can be a very exciting albeit daunting experience which is why it is important to get the right advice at the very start. There are many different mortgage products to choose from so it is important to get the solution that best meets your needs.

To help you to make the right decision we have put together our Top Tips for first time buyers:

How much can I borrow?
It is important to be realistic when working out how much you can spend on your new home. A budget planner will help to ensure your mortgage is affordable.

How much deposit will I need to put down?
When choosing a mortgage, you can see which deals you might qualify for based on the size of the deposit you have by looking at what is known as the mortgage ‘loan to value’ (LTV). For example if you are looking to buy a property valued at £100,000 and have a £5,000 deposit you will be looking to borrow 95% of the property value. Typically the more deposit you have to put down the better the mortgage rates will be.

Have you considered any extra costs?
Even a newly built house will require some sort of furnishings, whereas older properties may require extensive work, such as re-flooring, tiling or renewing the wiring. These should be considered alongside the purchase price, and fees such as conveyancing and stamp duty.

Know what to look for when viewing properties.
Always take an experienced home buyer with you when viewing properties as there may be important details you could be missing out on.

Household Budgets.
If you have been used to living at home with your parents, remember to budget for expenses such as council tax, gas and electricity bills, boiler servicing, and other home repairs.

Council Tax Charges.
Make sure you know what the likely council tax charge will be in your new property. The selling agent should be able to tell you what tax band the house you are interested in buying is in, and how the charges are levied by your local authority.

Remember a mortgage is a long term commitment and there are lots of different products available, so it is important you get the right solution for you.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

With you every step of the way

Why choose us

Convenient Appointments

We can meet you seven days a week at a place that suits you, whether it be at your home, place of work or our offices.

No Obligation Advice

Our initial meeting is completely free and there is no obligation to proceed with us if you are not entirely satisfied with the mortgages we recommend.

Mortgages To Suit You

No matter your circumstances, we are here to get the right mortgage for you.

With You All The Way

As a responsible Mortgage Broker, we want your mortgage to always be the best fit for you. So when it’s time to review it, we will be here to help.

At Your Side

We handle the entire mortgage application process through to completion, liaising with your lender, solicitor and estate agent to deliver a smooth, stress-free experience.

Protecting What Matters

We provide tailored life and home insurance solutions, so you can be assured that your loved ones and possessions are protected.
Ready to discuss your options? Great, let’s get connected!

Working with us

We’re with you every step of the way

With over 10 years of financial services experience, from mortgages to protection, our varied industry knowledge will cater for any financial circumstance you find yourself in.

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Happy customers

Always listening to our customer, our post-completion surveys ensure we are constantly improving.

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Industry knowledge

Our experienced team have completed hundreds of applications to-date and it continues to grow day on day.

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Financial expertise

We love our job and hope that shows through when there is nothing about the industry that our fully qualified team do not know.

A sample of the providers we use

Nationwide
NatWest
LBS
Electrical Services

Service is key

Our mortgage process

The introduction

We start by getting to know you and your requirements. Here we assess your incomings, ongoings and setting a budget.

Product match

We work and source the mortgage from a comprehensive panel of lenders which is representative of the whole of the market to find the lender and product for you.

Lender agreement

Next up and finally, we provide you with an agreement in principle from the lender.

Completion time

Finally, we complete the relevant paperwork and guide you through the remainder of the process until completion.

Mortgages

With access to hundreds of products, we’ll help you secure the right product tailored to your circumstances.

Protection

Family is important; get expert impartial advice to help protect what matters, when it matters most!

Insurance

We’ll search through a range of policies to find the one that suits you best from our range of insurers.

Let’s get connected!

Our fully certified and experienced team is ready to help support and advise you on your mortgage, protection and insurance applications.