Your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

First Time Buyers

Buying a home can be tricky enough; even for an experienced buyer there is plenty to know’ and plenty to trip you up. As a first time buyer it can be really complicated.

The trouble is that there is so much conflicting advice, not only online but from other sources too; well meaning friends, parents and ‘the guy down the pub’!

Mortgages are no longer as simple as they used to be. Gone are the days where you could just multiply your income by 4 to reach your borrowing amount. Lenders’ criteria now takes into account so many different factors.

We take pride in explaining everything you need to know, including how much deposit you need, where that deposit can come from, what are the likely costs for legal work and Stamp Duty (depending on the price you pay for the house). We will explain it all and make it as easy as possible.

We can obtain an agreement in principle on your behalf too, this is where we submit a partial mortgage application for you which allows a lender to tell us whether they are likely to lend you the money, this can increase the strength of an offer when you are ready to offer on a house. 

Initial consultation is free of charge and with no obligation. There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £295 to £495 and this will be discussed and agreed with you at the earliest opportunity.