First Time Buyer Mortgage Advice
We do the work so you don't have to!
Looking to buy your first home? We offer fee-free, impartial advice to help you keep your costs down. We will help you at every stage to ensure you secure your dream home at the right price with the right mortgage.
WHAT IS A FIRST TIME BUYER MORTGAGE?
Think of a mortgage as a low rate, long - term loan that exists to help people buy property. You’ll need a deposit of at least 5%* of the property value and you take out a mortgage to pay for the rest. Before you start looking, we recommend that you get your mortgage agreed in principle first so you don't miss out on your dream home.
Mortgage lenders tend to have specific products for first-time buyers and there are lots to choose from, which is why it’s important to get some advice and support from a mortgage broker. We will explain the options and help you to make the right choices.
*subject to availability, lenders criteria, credit scoring and individual circumstances
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MORE ABOUT MORTGAGES
All mortgages have interest applied to them that is paid back over the term of the loan along with the capital borrowed. There are different types of mortgages; tracker mortgages, variable mortgages, off-set mortgages, capped mortgages and more. We will find the bet mortgage for your circumstances so you don't have to.
At the end of the mortgage term, the full capital amount borrowed, plus interest, is paid back in full. Mortgage terms tend to be between 15 & 40 years depending on your circumstances, affordability and lenders criteria. Every case is different and out mortgage advice is tailored to you personally.
There are also government schemes that can help first time buyers get onto the property ladder; Help to Buy - shared ownership and Help to Buy - Equity loan. Click HERE for more info.
Think carefully before securing other debts against your property. Your home may be repossessed if you do not keep up repayments on your mortgage.
Some buy to let mortgages are not regulated by the financial conduct authority.