First Time Home Buyer

If you’ve never owned a property before or perhaps if you’ve had a mortgage in the past but not in the last few years, then you will be classed as a first time buyer.
As a first time buyer you have a lot to think about – there is normally a significant change in lifestyle when you take on a commitment as big as a new mortgage, you need to consider not just the cost of the mortgage and the costs involved with buying a house but also all the extra costs of owning a house that you may not appreciate until you’re actually faced with them.

Our advisers will help you to not only find the best deal for you but also will help you plan for the most affordable solution.

We realize that as first time buyers you may not have a large deposit available – if any – and chances are you need to stretch your income beyond the traditional limits to be able to buy your first house.

We can access mortgages of up to 125% of the property value or purchase price and also mortgages where the income assessment used may allow for up to 5.9 times your annual income (subject to status).

While we believe that these are invaluable products to be able to offer first time buyers we will also stress the importance of not overstretching your finances and you can rest assured that the advice you receive will be with your best interests as the number one priority.

For more information and to request your free, no obligation consultation with one of our qualified, experienced mortgage advisers, please contact us using the quick enquiry form below.