Advice for
First Time
Buyer
Mortgages
Our first time buyer mortgage advice makes sure you step onto the property ladder on the right foot.
Arranging your first mortgage can seem like a daunting process, but not with our advice on first time buyer mortgages. We’ve been helping first timers get onto the property ladder for years and we’ll be with you every step of the way. We’ll talk you through all your options and work with you and mortgage lenders to ensure the process is as stress-free as possible.
Our first time buyer mortgage advice process
Step 1: We listen
It’s important for us (and you) to take the time to get to know each other and to make sure we understand what you would like to achieve. It’s a cliche, but no two people are the same. And we want to make sure our advice and service is tailored to you.
Step 2: Our initial thoughts
After that, we’ll provide you with some details. Things like how much we think you can borrow and what kind of loan to value lenders will be prepared to offer you.
Step 3: We search the whole mortgage market
We’ll then move on to search the entire mortgage market for you. In addition to negotiating you the best rate, we’ll take into account other things like lender service levels. It’s all part of having an expert on your side. We can even arrange an Agreement in Principal for you with a lender so you know exactly how much you can borrow.
Step 4: Completion
We finalise your mortgage and you get ready to move into your first home. Champagne is optional.
Making it easy
Our mortgage advice process
Step 1: We listen
It’s important for us (and you) to take the time to get to know each other and to make sure we understand what you would like to achieve. It’s a cliche, but no two people are the same. And we want to make sure our advice and service is tailored to you.
Step 2: We provide our initial thoughts
After that, we’ll provide you with some details. Things like how much we think you can borrow and what kind of a mortgage deposit you’ll need to buy that dream home. We’ll also suggest the best type of mortgage for you, looking at fixed and variable rates.
Step 3: We search the market for you
We’ll then move on to search the market for you. In addition to finding you the best rate, we’ll take into account other things like lender service levels and affordability calculations. It’s all part of having an expert on your side. We can even arrange an Agreement in Principal for you with a lender so you know exactly how much you can borrow.
Step 4: Completion
We finalise your mortgage and you move in. Alas, we can’t guarantee the moving experience will be easy, but at least you are safe in the knowledge that you have the most appropriate finance for you.
First Time Buyer Mortgages
Case Study
Case Summary
We were approached by a client (a Japanese citizen) that lived in Singapore. Her daughter was finishing her studies in the UK and starting work here shortly, with an intention to live and work here permanently. The mother worked for a large multi-national company and wanted to assist in any way she could.
Our Solution
We were able to obtain a UK High Street mortgage in joint names for the mother and daughter for a flat for the daughter to live in. Even though the mother will continue to live and work in Singapore.
The numbers
Mortgage Calculators
Our useful mortgage calculators can help you work out the key numbers without any hard questions.
