Buying new home - Your Property Financial

Looking to get on the property ladder?- You need a first-time buyer mortgage!

What are your options for buying a home as a first-time buyer

Buying your first home is a big step and there are many important points to consider. You don't know where to start.

Your Property Financial Ltd mortgage brokers who specialise in helping first-time buyers onto the property ladder

Looking to get on the property ladder?- You need a first-time buyers mortgage!

So you’re looking to get onto the property ladder and want to buy your first home. Becoming a homeowner is an exciting prospect, once completed you will finally have a place you can call your own!

It can feel at first overwhelming on what you need to do, thankfully we’re here to help guide you through the whole process from beginning to end.

From what documents you need, to the deposit required to how much the lenders will lend you to what is the different steps in the house buying process from beginning to end are, your mortgage broker will guide you through the process to ensure you’re fully informed and aware and make sure you get the most suitable rate and terms on your mortgage.

What clients are saying about us

Jamie Thunder

2023-03-21

We wouldn't hesitate to recommend Your Property Financial to anyone buying a property. We've dealt directly with Paul at all stages, and he's been friendly, knowledgeable, responsive and clear throughout.

Alejandro Gerardo Gomes

2023-03-09

Thank you so much Your Property Financial and Paul for all the support, advice and help in our process to buy our home. Paul was very professional, friendly, well knowledgeable on property purchase process, timing on answering our questions and he gave us the best advice. I highly recommend Your Property Financial as your first step before you buy your property as they will explain you all the processes and find the best options available for you and they will guide you all the way until the end of the process. Thank you Paul again ☺️

Aziz

2023-03-09

I couldn't recommend Paul enough. He was straightforward and thorough. He has guided through the mortgage process and helped us revise our offers multiple times.

eleni georgiadou

2023-02-23

Paul worked with me and my partner to find the most suitable mortgage and life insurance deals as first time buyers. He has been extremely professional and thorough since day 1, providing information and clarifications in an efficient way. He has also liaised with our solicitors and developer for a smooth and on time exchange without the need to request for an additional extension from the lender. We can’t thank him enough for all his hard work and look forward to working again with him on our upcoming re-mortgage application. We fully recommend his services!

Thor Portess

2023-02-22

Paul assisted me in the purchase and refinance of a property in East Finchley. The process in obtaining the mortgage was smooth and seem less and helped me to purchase the property in a timely manner.

Ioannis Grigoriadis

2023-02-21

Paul has provided us with a great service in a process that is stressful and includes so many variables. His guidance has been invaluable and has led to finding a place we have now moved into and love. He has always been available to talk to us in short notice and gave us ample time to ask questions so that we can feel confident in making informed decisions. He has gone above and beyond and we would highly recommend his services to anyone in the process of buying a home.

Paul Robson

2023-02-04

Paul Tait provided a very thorough service with a great outcome for us. He listened very carefully to us talk about our situation and priorities. Also great at keeping in touch and steering the process to completion in a very tight window. Thanks

Dom P

2023-02-04

Paul is great to work with. He give you a lot of time to explain things and ask questions and is responsive to emails and calls. He’s helped me from start to finish of a property transaction, from searching to moving it. I’d very much recommend Paul.

Richard Nice

2023-01-13

Paul couldn't have been more helpful and friendly. He clearly outlined all the options for our case (which was not that simple) and put us in touch with some other great people to assist with every process. We're very happy with his service and would highly recommend it.

Lucy Fletcher

2022-12-16

Paul worked with myself and my parents to get us the right deal for our new family home. He was able to get us the mortgage we needed in time for our house sale and was able to help with the solicitor side of things which greatly helped hurry the process along. He was very understanding of our situation and was able to help whenever we needed him. I couldn't recommend Paul enough, I will definitely be using him as my financial advisor again.

Obtaining specific mortgage advice from a broker is crucial as they will make sure you get the most suitable rate and terms available and help you from the very beginning all the way through to when you have the keys in your hand

Your mortgage broker will guide and advise you throughout the house buying process on your options, from what documents you need, to your different mortgage options from over 90+ lenders available, to the deposit required to helping you obtain your Mortgage Certificate so you can start to make an offer on the new home you wish to buy.

Our mortgage brokers will also deal with the lender on your behalf and will represent you in the best possible way to improve your chances significantly of being approved for your mortgage.

Looking to a buy home? You need Morgage Certificate!

The agreement in principle is a credit check and can show on your credit report. Multiple checks before you need to proceed with your mortgage application can come back to bite you as other/future mortgage lenders will see all these checks.

They will start to wonder why, as it can be perceived that the other lenders are turning you down, as a declined credit score doesn’t show on their system checks just that you had a credit check with another lender. It’s also too early to know which lender you may proceed with as rates change daily and only until the day you submit your mortgage application do you know the lender you’re going to go ahead with.

When it's the right time to have an agreement principle/credit checks your mortgage broker will make you aware.

The estate agent will often say you can’t make an offer or even view the property unless they’re confident you can get the mortgage, so you can feel forced into revealing how much you can borrow and afford and this is never a good thing in a negotiation.

Your mortgage broker can deal with the estate agent to help avoid these situations.

Watch our brief Mortgage Certificate and Agreement Principal video

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Why choose us

We can find great deals at speed

Access to over +90 lenders so you will get the most suitable rates and terms available with many of these lenders not available on the high street which are exclusive to brokers.

We’re experts in the field

Our team of brokers are specialists with helping to get you new mortgage deal and can help you understand the best options available to you as we fully consider the rate and all the different fee's to make sure you get the most suitable terms.

relationship

Real relationships with the lenders so we can get your application pre-approved if your situation isn’t straightforward. Plus your mortgage broker is there answer all the questions you may have.

Rapid solutions

We’re quick, on our first call we will quickly establish your options and let you know the next steps so we can arrange everything promptly for you.

If you prefer to speak face to face we can also arrange a video call.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Your Property Financial Ltd (FCA Number:942504) is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of Personal Touch Financial Services Ltd (FCA Number: 187834) which is authorised and regulated by the Financial Conduct Authority.

We usually charge a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.

The Financial Conduct Authority does not regulate some forms of buy-to-let, overseas and commercial mortgages.

Your Property Financial Ltd registered in England and Wales company number 12940973. Registered office address 5 Ducketts Wharf, South Street, Bishop’s Stortford, Herts, CM23 3AR.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.