Buying your first home can be daunting. Especially as this will likely be the biggest financial commitment you have made. Our mortgage advisers can offer you professional and comprehensive advice and lead you through the process, a process they have been through many times before.
Our mortgage advisers have access to an extensive range of mortgages including some products that are not available from lenders on the high street. We’ll find a product to suit your circumstances both now and looking towards the future.
To ensure your purchase runs smoothly, we can help manage the whole process by liaising with your estate agent, solicitor, surveyor and mortgage Lender – it’s all part of our service.
How much can I borrow?
The amount you can borrow will vary from lender to lender and will take into account your income and any personal/living expenses.
They’ll use this as a guide to see what you can afford and use this to calculate how much they will lend you.What will my monthly payments be?
Your monthly mortgage payments will depend on:
The amount you borrow
The interest rate
The numbers of years you borrow the money overDifferent types of mortgages
There are many options to consider when applying for a new mortgage including Fixed Rate, Standard variable rates, Tracker and Discount. But don’t despair, our experienced mortgage advisers can talk you through all the options and you’ll be able to decide what suits you best.How much money do I need to buy a property?
This will depend on the purchase price of your property.
You will need to budget for a number of costs including:
Mortgage Arrangement Fee
Your home may be repossessed if you do not keep up repayments on your mortgage.
We will charge a broker fee of between £0 and £275, payable on production of mortgage offer. The amount we will charge is dependent on the amount of research and administration that is required.