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 vast array of mortgage products available from a wide range of sources and you could be left with a high-stress, confusing decision.

Speak to us about your situation and we can guide you through the process from start to finish whether you are buying your first home or moving home.

For example here some things worth considering:

 

• Affordability - We can discuss your budget and work out what you can borrow from a wide variety of Banks & Building Societies. The lenders will factor in your income including any overtime/bonuses etc Any loans/credit commitments you have and the term of the mortgage when assessing affordability.

• Loan to Value (LTV) - The amount of Deposit you have directly affects the rates that are available because the lenders use the LTV as  a measure of risk and reward people with higher deposits relative to the property price.

• Flexibility - Do you need to be able to make large overpayments or do you need to sell within the term without penalty? We can discuss what features are important to you.

• Type of Rate - Do you need a Fixed rate for peace of mind or are you happy for a Tracker or variable rate that changes as the Bank of England Base Rate changes?

 

Your Home may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

No fee is payable for our service in relation to mortgage contracts. We will be paid commission by the lender; the amount due will be disclosed via the mortgage illustration.

For conveyancing, we act as introducers

The FCA does not regulate solicitors