Helping you find
Mortgages and
First Time Buyers
The thought of buying a house for the first can be a daunting experience, looking for your perfect home, saving for a deposit, organizing a solicitor and that is just the start of it.
Generally house prices are rising and some lenders are tightening up their lending criteria which means buying your first home is no easy matter. As a first-time buyer, there are probably hundreds of mortgage deals available for you to choose from.
The mortgage market can be very confusing for both first time property buyers and experienced home movers alike and that’s one of the main reasons why first time buyers may seek out the help and support from a qualified mortgage advisor who understands how stressful it can all be.
If you are about to buy your first home, there are probably many questions that you would like to be answered:
- How do I go about getting a mortgage?
- Should I use a broker or go it alone?
- What type of mortgage is best for me?
- Should I go for a fixed rate or variable rate interest?
- How much can I afford to borrow?
Our free First Time Buyer Guide, which can be downloaded below, has been produced to help you answer these questions and hopefully guide you through the mortgage and process.
How we can help
As fully experienced and qualified mortgage consultants, we will research a comprehensive range of mortgages from across the market to find the best available and most suitable mortgage for you. Having access to exclusive deals and lenders that are not available direct from the lenders on the High Street, we are confident of being able to find a great deal for you.
We will provide you with a dedicated mortgage advisor who will be available seven days a week.
We will complete all of the mortgage paperwork with you and help manage the process, where appropriate by liaising with your lender, solicitor and surveyor, allowing you to focus on finding your perfect home.
FREE QUOTE
Disclaimer – You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with The Data Protection Act 1998. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.
By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.
Our Fees
Our mortgage advice service is completely free unless your loan amount is below £100,000, or your application involves debt consolidation.
Where the loan amount is below £120,000, the scale below regarding our fees will apply –
- Loan value between £75,000 and £120,000 a fee of £235.00 will apply.
- Loan value between £50,000 and £74,999 a fee of £285.00 will apply.
- Loan value under £50,000 a fee of £325.00 will apply.
- For cases involving debt consolidation a fee of £325.00 will apply.
This fee becomes payable once the proposed lender issues the mortgage offer.
Should a fee apply, we will explain what you will be charged prior to proceeding with your application.
We will receive a procuration fee (commission) from the lender upon completion of your mortgage. This amount will be confirmed by the lender in their illustration document.
Should you wish, you can request to view the procuration fee (commission) rates from each of the lenders we considered at the time that we make our recommendation to you.
The Mortgage Advice Service can help point you in the right direction, providing you with friendly, professional and confidential advice when you need it most.
