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

Pat Traynor
Pat Traynor
2022-10-15
Paul was very helpful in sourcing the best equity release deal at a time of sudden increases in interest rates. He kept me Informed during the process and was always available to answer questions. I raised the money to help my daughter buy a bigger flat.
Tim Whitcher
Tim Whitcher
2022-10-09
Very professional and personable, Paul always had the time to ensure that we understood everything and that we got the best deal possible that was right for us.
Cally Bravington-Smith
Cally Bravington-Smith
2022-09-21
Paul has been exceptional during the course of this year helping us buy our next property, his support and guidance through a lengthy and tricky transaction was second to none. Paul is very personable, and unlike many other brokers would work outside the normal 9-5. Always had our best interests in the forefront. Highly recommend :-)
Charlotte Faucher
Charlotte Faucher
2022-09-19
Benefiting from Paul's expertise to help us secure our first mortgage was very precious. Paul was always available to answer any query we had, and he submitted our application very quickly once we had gathered our documentation. I've already recommended the company's services to friends!
Louisa Smurthwaite
Louisa Smurthwaite
2022-08-03
Paul helped me find a new mortgage. His knowledge was invaluable. Adding to this, he was extremely patient with me while we navigated some complex decisions. Thanks Paul, amazing service!
Sinead Ennis
Sinead Ennis
2022-07-18
The whole process of getting the right mortgage was made easy, with continued support all the way through. Highly recommended.
Daniel Lee
Daniel Lee
2022-06-17
My girlfriend and I are buying our first home and Paul has been absolutely fantastic every step of the way. He’s knowledgable, friendly and very approachable, regardless of the time of day, even replying to emails at gone 9 o’clock at night! Would definately recommend and will definately be using in the future!
Chris Healy
Chris Healy
2022-06-13
Paul has been incredibly helpful and informative every step of the process of me owning a property, as a first time buyer there was I lot I didn't know and he's really gone the extra mile for me.
Paul Ho
Paul Ho
2022-04-15
Paul's dedication, expertise and attention to detail was instrumental in securing the deal for my house purchase. In my opinion his fees was money very well spent, and would recommend him without hesitation.
Panos Savvas
Panos Savvas
2022-04-01
Paul worked with me and my wife to find the right mortgage and insurances needed for our new home. He's is very knowledgeable and professional. I never felt rushed or uniformed. He really went out of his way to ensure we had all the information we needed and guided us through the process. Beyond that Paul went above and beyond in working with our conveyancer and the estate agent to assist in our exchange and completion. I would not hesitate to recommend him or use him again in the future.

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.
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