First Time Buyers 

Are you looking to buy your first home  and need some advice on where to start?

We believe that home ownership should be an option for anyone that wants it. Our job is to help make it happen and get you on the property ladder! With many government incentives, and lenders’ criteria constantly changing, there could be opportunities available to you that you aren’t aware of. Our advisers will discuss your requirements and personal circumstances with you and talk through your options and help find the right mortgage for your needs. We have a series of helpful articles you can read below.

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A helpful guide  for first time buyers

We have written the below guide specifically for First Time Buyers. In this guide, we explain the whole process step by step, right from how to get yourself mortgage ready, through to helpful checklists and covering topics such as credit ratings, property search, choosing surveys and solicitors and many more.

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Everything you need  to know about 95% mortgages

If you’ve been trying to buy your next home but haven’t yet saved up a big enough deposit, you could be eligible to apply for a 95% loan to value (LTV) mortgage. This means that you may be able to buy a home with just a 5% deposit.

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What is a mortgage  in principle?

One of the best ways to prove to estate agents and sellers that you are serious about buying their house is to get a mortgage in principle. It is a powerful tool but there are some important things to consider.

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Mortgage Calculator

Because we play by the book  we want to tell you that…

Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed. For the insurance business, we offer products from a choice of insurers.