Buying a house is one of the most important purchases you will make. Buying a home for the first time can be an even more daunting prospect. With so many factors to consider it can be difficult to know where to begin when looking for a mortgage. There are a wide range of providers and mortgages across the market providing a vast selection to choose from, and useful though it may be to have plenty of choice, it can leave you feeling completely daunted and confused.
How much can I borrow for a mortgage?
We provide specialist mortgage advice to first time buyers,offering fully independent advice on a whole of market basis which means we can compare the range of mortgage products available for first time buyers, and find the best mortgage deal to suit your own personal needs. You are not limited to just mortgages designed for first time buyers. Depending on your circumstances we will recommend the best mortgage for you from the wide range of mortgages on the market for house movers. So rather than trawling the high street and agonising over your choice, you could save time and potentially a large amount of money, by contacting us and getting the very best mortgage deal for your situation.
Which type of first time buyer mortgage?
As a first time buyer, you may have lots of questions about how to get a mortgage and which type suits you best. For example, should you choose a fixed rate, a discount, capped or tracker mortgage? We can help you understand the difference between the various offers, and help you secure a mortgage that fits your circumstances. Here are some of the main mortgage types and ways to repay that you might want to consider:
Special first time buyer mortgages
Because getting on the property ladder is becoming increasingly more difficult, there are several types of agreements tailor-made for first time buyers. Options include shared ownership, guarantor arrangements or housing association co-purchases. Often, you can find mortgages offering up to 5 times your salary.
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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. There may be fee charged for mortgage advice. The precise amount will depend upon your circumstances but the maximum fee would be 1.5% of the loan value. Some mortgage and insurance products are not regulated by the FSA.
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