First Time Buyer
Buying your first home is a pivotal moment in your life and a huge achievement. Securing a mortgage for your first home is truly exciting, but it is also a lengthy time-consuming and confusing process with lots of decisions to make.
Making such a big investment can be a daunting prospect, but we can help you from the moment you want to start your property search through to getting the keys to your new home.
In a competitive market, we strongly advise that before your home search begins you seek a mortgage agreement in principle which we can source and arrange. This will confirm that the lender is willing to consider a mortgage application from you and the amount the lender is prepared to lend you, which will be favourable when contacting estate agents to view properties and can help you get ahead of the competition when you’re ready to make an offer on a property.
An agreement in principle
An agreement in principle does not guarantee a mortgage offer, but does give you the opportunity to return to your full application later after you've had an offer accepted. We can manage this process for you and will search the market for the best possible product for your needs and situation, so that you can be confident taking your first steps on the property ladder.
A mortgage is a loan secured against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.