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
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.
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.
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.
It takes less than 30 seconds to complete
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.
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.
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.
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.