First Time Buyers

Buying a property can be the biggest decision made in our lives. It is for this very reason that advice is critical from competent and qualified advisers. We have access to a wide range of mortgages including first-time buyer

How we will try and help you onto the ladder

Buying a house is one of the most important purchases you will make, and buying a home for the first time will be an even more daunting prospect. Add to this the vast array of mortgage products available from a wide range of sources and you could be left with a high-stress, confusing decision. To help you with making life changing decisions we have put together some top tips for you when considering a property.

What types of Mortgages are available?

Mortgages come in various types and we can help you find the one that would work best in your particular circumstances. We can explain the pros and cons of fixed rate, variable rate, standard rate, discount rate, capped rate, tracker, offset and cashback mortgages.

We’ll also talk you through the finer detail of how repayment mortgages and interest – only mortgages work. We keep up to date with the deals the market has to offer, including those offering free surveys or reduced legal fees, so we’ll be able to explain how these might work for you.

How much deposit do I need?

Basically, the bigger the deposit you put down, the cheaper the mortgage. While some lenders are prepared to lend up to 95% of the property price, with the borrower putting in the remaining 5% as a deposit, better deals and rates are available to those who can put down, say 20% or even more.

It’s important to remember there are also fees and charge that you will be required to pay as part of the process of putting your mortgage in place, so you’ll need to have savings in place to pay for these too.

Speak to our Team Today about your mortgage

Complete our contact us and a member of our team will be in touch with you soon to discuss your mortgage requirements.

If you prefer to speak to us face to face, let us know in the comments box when completing the form and we’ll be in touch with you to book an appointment whenever is best for you.

However, if you prefer to speak to us sooner call us on 01270 443510.

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Our broker Mike was professional, caring and dedicated to securing the best mortgage for ourselves- he certainly had his work cut out with having to support my partners self-employment. The communication never failed, the detail was always on point and his openness and honesty we really can’t thank enough. We will certainly be recommending and returning.”

Carla Holdcroft

Contact Us

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11 Mallard Court, Mallard Way, Crewe, CW1 6ZQ

01270 443510 (Cheshire)

No 1 Royal Exchange Avenue, London EC3V 3LT

020 3984 0375 (London)