Buying your first house is an exciting time, but you may be feeling a little apprehensive about the financial commitment and making the right decisions when it comes to your mortgage. Our advisors are not only well-informed about the range that’s available; they are completely impartial and ready to give you unbiased advice.
We’re not tied to any particular mortgage lender, so we’re able to give you options on the best deals from the thousands of options out there. If you’ve never had a mortgage, you’ll be forgiven for not knowing much about them. Introducing and explaining mortgages so that you can understand them is a huge part of what we do.
Help to Buy
There's been a lot of publicity around the governments Help to Buy scheme. These work in exactly the same way as any other mortgage except that under the scheme the Government offers lenders the option to purchase a guarantee on mortgage loans. Because of this support, lenders taking part are able to offer home buyers more high-loan-to-value mortgages (80-95%). You will still be fully responsible for your mortgage repayments. So if you have a 5% deposit, you will need to take out and pay back a 95% mortgage.
If you're thinking of purchasing your first house we can guide through all the options available to you, and you will have the benefit of our experienced Property team who can help to find you a suitable property. Contact us today to get the ball rolling!