Are you shopping around for a mortgage and trying to make sense of all the information being thrown at you?
We know mortgages can be confusing. There is a lot jargon and you’ve probably got a note with a whole load of sums on it as you try to make sense of different rates, deposit amounts, fees…
It’s ok. You can stop searching on the internet and asking friends about which lender they went with because helping first time buyers is our speciality. We have years of experience, lots of knowledge, and we put all of that to good use helping you to get those keys.
You won’t have to worry about whether you’ve filled in the forms correctly or if you found a good deal. We take care of that side of things for you. We will ask you about your finances, what kind of property you are looking for, and help you be in the best position to buy your home.
Then we search a panel of over 50 lenders for you to find products which suit your circumstances. We’ll match you with a suitable lender, tell you what information you need to provide, and once we’ve helped you choose a mortgage product, we’ll get the application sent off for you. We’ll even check in with your solicitor to make sure your purchase is going through smoothly.
Let's get you moving! Book a call with us
Whether you have found a house or are starting to think about saving for a deposit, we are here to help you reach your goal of owning your own home.
During your first, no obligation, meeting with us we will talk about what you want to buy and your finances.
This is also an opportunity for you to ask questions and find out about what you need to do to get through your own front door.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH REPAYMENTS ON YOUR MORTGAGE.
We can help if you:
Book a call with us today and plan a path to your new home
Frequently asked questions
Most frequent questions from first time homebuyers
How are you different from my bank or building society ?
If you were going to buy a sandwich, would you go to a shop which only sold cheese sandwiches or would you go somewhere with a range of different fillings, which could also cater for vegans and provide gluten free options?
It’s the same when you are looking for a mortgage. You might need a specialist product or someone to guide you through Help To Buy. Perhaps you are self-employed. We will help you find the mortgage most suited to your needs and give you all the information you need to make a decision. By asking us to find your mortgage deal, you are widening your options.
Do I need a deposit ?
Yes, you do need a deposit but the funds you provide to buy your home alongside your mortgage can vary.
We can give you information about starting to save for a deposit if you are thinking about buying a property in the future or talk to you about different options for raising a deposit if you want to make a purchase now.
Do I need to have found a property before talking to you ?
No you don’t. Get in touch with us at the earliest point in your property search so you can plan what you are looking for and what your payments will be. We don’t charge you a fee until you secure your mortgage offer.
By discussing the options with us early, we can give you a better chance of finding a good deal and you will know what your costs are going to be and put a budget in place for that.
What does ‘your home may be repossessed if you do not keep up repayments on your mortgage’ mean ?
When you take out a mortgage, you are borrowing money to pay for your property. You will need to make a payment towards that loan each month. That payment amount will be set when you secure the mortgage deal. If, for whatever reason, you find yourself unable to pay your mortgage over a period of time, the lender might decide to take you to court and your home could be taken away from you.
This is why it is important to make sure you get a mortgage you can afford and plan how you will keep up repayments if something happens to your income.
What information do I need to supply when I apply for a mortgage ?
You will need to tell us how much you earn and how much you spend each month.
We will need to see your payslips and bank statements for the past 3 months. You will also need a credit report, which we will help you with.
We will send you an email listing everything you need to provide us with when you book your first appointment.
Why do you charge a fee?
Charging a fee enables us to provide you with a high quality service. We can give you the attention you need, work with you through any issues, and help you to make sure your property purchase completes.
We take care of everything for you. You don’t need to spend an hour sitting on hold trying to get through to a lender, we do it for you. You won’t have to compare a range of deals to figure out what suits your circumstances. You get the benefit of our knowledge, experience and contacts to find the most appropriate deal for you. We save you time and money.
What you get...
to moving in to your home...
1. Discovery Call
We will have a chat with you with you to say hello, get to know you and assess your needs. After this you will get an email setting everything out and letting you know what you need to do next.
We get to work finding a suitable mortgage deal from our panel of over 50 lenders. We will assess your circumstances and understand your future plans to recommend a suitable mortgage product that works for you.
3. Mortgage Application
We walk you through your mortgage application. We will fill the forms out for you and double check them in our office to make sure all the information is correct before it is sent to the lender.
4. Mortgage Approved
Once your application has been approved, we will stay with you, making sure your purchase is on track. Our fee is payable when the lender has approved your application.
We will chase up your solicitor and estate agent for you so you know everything is in hand, leaving you free to think about where your furniture is going to go and plan the decorating.
01733 794 472
Our promise to you
We will guide you and recommend a suitable mortgage based on your circumstances and goals.
We will always do what we say we’ll do: if we say we’ll call, we will.
We will always keep you in the loop with regular updates about your mortgage.
We will carry out checks throughout the process to ensure we give you the best chance of securing a mortgage.
We will help you understand what insurance you’ll need to ensure you can keep your home if life takes an unexpected turn.
We will liaise with solicitors, estate agents and any other parties to help you on your way.
Are we right for each other?
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First Time Homebuyers
From no deposit to getting the keys to your first home in 12 simple steps…