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Let’s Get Your Foot Firmly On The Property Ladder

As a first time buyer, you may be declined a mortgage for many reasons, including having a low or bad credit rating, or even no credit history. However, fear not, as we could help secure you a stress-free mortgage deal!

We have helped countless first-time buyers like you secure first-time buyer mortgages, now let’s see if we can get your foot firmly on the proverbial property ladder.

Our network of experienced mortgage advisers specialise in often complex mortgages, therefore, whatever your circumstances, we may be able to help you to get your first mortgage, and into your new home.

Take the first step today, and use our first-time buyer mortgage calculator to compare the latest first-time buyer mortgage rates.


The Personal Approach To Your Mortgage

With a Mortgage Experience adviser on your team, you can sit back, relax, and make yourself a cuppa, safe in the knowledge that we will be doing all the heavy lifting to find you a suitable mortgage with the best rates available. This gives you more time to pack, and well, do the actual physical heavy lifting (should you wish) as you move into and enjoy your new home or the financial benefits of your remortgage.

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First Time Buyers FAQs

What is the minimum deposit for a first-time buyer?

This may vary depending on your circumstances, however, for many lenders, your deposit should be at least 5% of the property’s value.

Remember, if you can save and put down a larger deposit, then typically you should be able to get a lower interest rate on your mortgage.

What about help to buy schemes?

There are of course Government schemes currently available, however, to be eligible you, and the property you are looking to purchase must first meet strict criteria.

While we may be able to help, it’s worthwhile taking the time to understand the current help to buy schemes in more detail.

How much can I borrow?

How much you could borrow would depend on your circumstances. For instance, lenders will undertake affordability checks, with your deposit, and credit history factoring into the decision.

If you are looking for an initial estimate then take the first step today by using our mortgage calculator.

What risks do I need to be aware of?

Unlike many other loans, a mortgage is secured against your home. This means if you are unable to keep up with the monthly repayments, then your home may be repossessed. However, while this is a possibility, it is course, often the last resort.

If you do encounter financial difficulties which impacts your ability to make mortgage repayments, then you should always contact the lender in the first instance, as there may be options available to you.

Talk to one of our Mortgage Experts on 0808 172 9354

Talk to our mortgage advisers today to discuss your options.

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