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Are you Looking to buy your first home?
Quick Mortgage Enquiry 0800 193 1604
Getting onto the property ladder doesn’t have to be difficult; our range of mortgage options for First Time Buyers could help you get the keys to your dream home. We’re doing all we can to help First Time Buyers get a place they can call home. Let us help you get the keys to your new home. We can help with many different aspects of buying a home from setting a budget, to valuations and surveys and conveyancing our mortgage advisers will help you every step of the way.
How much can I borrow?
Knowing how much you can borrow will help you find a property you can afford. Following the MMR review in 2014, where now lenders have to take into consideration all your outgoings and stress test your affordability even if interest rates should rise. A Mortgage Broker takes into account you’re your circumstances in arranging a mortgage for you. What this means is we can assess your affordability with a shortlist of various lenders to maximize which mortgages are available to you and find the cheapest mortgage for your circumstances. Speak to one of our advisors who will compare lenders to see what the maximum loan you could get for your circumstances.
Some lenders offer guarantor mortgages for first time buyers. This is where a parent or close relative guarantees to meet your mortgage repayments in the event that you can’t. To be accepted, they have to prove that they could afford to make those payments after all of their own outgoings (including their own mortgage) have been taken into account.
To find out about guarantor mortgages, speak to one of our expert mortgage advisors.