First Time Buyer Mortgage Broker
Getting on to the property ladder is a goal in all of our lives, however, it’s not always as straightforward as it may seem. It is quite a daunting prospect for many people as it can be quite stressful with all of the conflicting advice people give to you. Let our advisors be the ones to give you all of the correct advice that you follow. We can guide you through the whole process from initial contact all the way to making you a qualified purchaser and a desirable buyer for many estate agents and sellers alike. The first thing you do when you want to get onto the property ladder is save up for a deposit on the property you will be purchasing, most lenders will expect at least a 10% deposit unless you get help from a government scheme like the help to buy scheme.
We always say that the bigger the deposit the better. This is because when you purchase more of the property yourself it leaves you with needing a smaller mortgage to take out which will not only make your monthly repayments smaller but it will also take the pressure off a little with the lender trying to get the mortgage you want. This is because the lender will want to know if you will always be able to pay for the mortgage throughout its life. We recommend that before you apply for a mortgage to reduce your outgoings as much as possible and this way you will be able to show the lender that you are in control of your money and can easily pay for the mortgage. Being debt-free will also help with your application to get a mortgage.
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When you are about to move into your home it is a good idea to set some money aside for morning costs. Some buyers may be liable for stamp duty and will need to pay solicitor’s and surveyor’s fees. The actual cost of moving from A to B will depend on a variety of factors. It can also help if you have a budget for unforeseen expenses as well this could be anything wrong with your home that you didn’t notice until you moved in. We are a professional finance broker with offices in Poole, Dorset and we provide mortgages not only to first-time buyers but to everyone from reputable industry leaders.
Are you fed up with the high-pressure sales tactics of large corporate, we promise no pushy hard sales tactics and ensure that everything we do is in your best interest. We were founded by Darren Barrett back in 2009, this was during some of the hardest market conditions the industry has seen. The unparalleled, clear, trustworthy, honest and upfront service we offer has meant that our business has thrived during these times when clients have needed more individual and specialist help. All staff are fully qualified, experienced and chosen based on their keenness to provide the best possible experience for our customers. We promise no pushy hard sales tactics and have built a strong reputation which is important as we rely heavily on referrals from clients.