First Time Buyers
At Your Mortgage Solutions, we specialise in helping people buy a home for the first time. Most of our customers are looking to take that all-important first step on the property ladder. But where do you start?
First Time Mortgage Basics
Unfortunately, there’s no one size fits all mortgage. It all depends on your circumstances, finances and personal preference. To make an informed decision you need to be able to understand the pros and cons of the various products on offer; which primarily fall under the fixed rate and variable rate categories.
Our adviser and team are experts in all the products available and the latest deals on our comprehensive panel. They will go through all the options with you to find the best mortgage fit for you. Book an appointment for a straight-talking, jargon-busting FREE initial consultation with our expert adviser and team, and we will help you through each stage of the process for a smooth, stress-free experience.
This includes working out how much you can borrow, negotiating the best price for the house of your dreams, finding the right mortgage for you and securing your investment for the future. We will see if you can take advantage of any Government schemes or initiatives, help you with paperwork and make sure you have budgeted for all the costs involved in buying a house.
Our ultimate goal is to get you into the home of your dreams and we will work non-stop to help you achieve that dream.
Request your FREE Mortgage Information Pack
You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 1998. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting your information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.
Your First Mortgage
A mortgage is likely to be the biggest financial commitment you ever make, so it’s important to get it right first time. But with so many products to choose from, it can be difficult to know where to start, especially if you don’t know your LTVs from your ARMs.
Your Mortgage Solutions will demystify that whole process for you, starting with how much you can borrow and the monthly repayment you can afford. You will leave your initial consultation with Your Mortgage Solutions feeling much more confident about the process, armed with the knowledge of how much you can borrow, the deposit needed, what the monthly repayments are likely to be and which lender you might go with.
Help to Buy
You may think that buying a home is out of your reach, but this is not necessarily the case. In recent years, the Government has launched various schemes and initiatives designed to help people who are struggling to get on the property ladder. Many of these initiatives are aimed at removing one of the biggest barriers to home ownership, in the form of the large deposits required.
Figuring out whether you’re eligible for the Help to Buy Mortgage Guarantee Scheme, the Help to Buy Equity Loan or Shared Ownership – and if so, which would be best, can also lead to information overload.
Our advisors are experts in those schemes and the various dedicated first time buyer deals available on the mortgage market. We will check all the options available to you and help you get on the way to owning your first home.
Terms and conditions apply. For further information see www.helptobuy.gov.uk
Why Choose a Broker?
A mortgage is a life-long commitment so it’s important to get the decision right from the outset. It’s not a straight-forward process and this can make it seem a very daunting task. So how can a broker help?
- A broker gives you professional, expert help and advice along every step of the journey
- Mortgage brokers are regulated by the Financial Conduct Authority and must be professionally qualified to give you advice
- Brokers can search a variety of lenders to find the best product for your needs.
- They have an in-depth knowledge of lenders’ criteria to help work out which deal is best for you
- Brokers smooth the process from start to finish, helping with form filling, negotiations and liaising with other parties on your behalf if needed