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First Time Buyer

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Guide


			First Time Buyer mortgages for people buying the first time Getting your mortgage in place must be done professionally and efficiently! It can be confusing when you first decide to buy a home. The finances and paperwork can be daunting. We have partnered with mortgage brokers that will speak to you in plain language and help you through your first mortgage process.

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Get a first time buyer mortgage

Mortgage for the First Time Buyer

Buying a house is one of the most important purchases you will make, and buying a home for the first time will be an even more daunting prospect. Add to this the massive range of mortgage products available from a wide range of lenders, and you are left with a pressurised and confusing decision.

Some of the important aspects of your decision are the following:

• Buying a House vs Renting – Is purchasing a house the right decision at this time?

Buying your first property can give you a massive feeling of accomplishment as you step on to the first rung of the "property ladder". The mortgage may even be lower than your current rental committments, or you may have the option to a "right to buy mortgage" and be getting a fantastic purchase price. You must be sure though that you are ready to settle and meet the financial committments that the mortgage will entail.

• Borrowing Capacity – Before looking for a house, you have to understand how much you can spend on it. This will be based around a number of factors including:

Your Single or joint incomes
The monthly payments you can afford
The deposit you have available
Your "Credit History"

• Searching for a House – You should think about the location and potential fluctuations in house property. You should consider the build quality of the property and the type of property. For example, a concrete property may restrict your borrowing options.

• Paying for it! - An independent mortgage broker will have access to the full range of mortgage products (over 10,000) and will be able to talk through your situation to find the best mortgage deal for you.

If you are looking to secure your mortgage or remortgage finance, would like some advice, or just want some quotes, fill the form on the left or click the button below-