First Time Buyers

FAQ:

Got Questions? Check out our FAQ section.

Clients buying their first home can be quite naive about mortgages, and indeed the whole process of buying a property.

Committing to a loan for many thousands of pounds can be daunting at first. The recent changes in lending policy by the mortgage providers means that, in general first time buyers will need a larger deposit than would have been the case in 2007. It is important to discuss your aims well in advance of looking at properties to make sure a mortgage is available, and thus avoid any disappointment at a later stage.

We advise on the house buying process, what you must do, and when, what mortgage is appropriate, how to select a suitable solicitor, what insurance you are obliged to have, and what insurance you should have if funds permit. We liaise with the lender, and the solicitor, and if necessary the estate agent to accomplish a smooth progression from application to completion, and the ownership of your first home. Some of the issues are explained in the FAQ section below.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Testimonials:

Find out what some of our clients think of us.