First Time Buyers, mortgages are available in a variety of forms including 5% deposit, self certified, and poor credit history mortgages.

If you have made enquiries elsewhere and been told you cannot borrow what you need, a discussion with our team may surprise you. We can typically arrange four times earnings on 95% mortgages (If you have a record of missed credit payments in the past 24 months you will probably need a 10% deposit).

What you can borrow is governed by your credit rating and therefore how much you can borrow? What lender would accept you? Also what rates would be available for you would depend on your circumstances.

As the first time buyers property market is the most competitive sector we always recommend that our first time buyer allows us to arrange a mortgage in principle for them prior to them going property hunting. A buyer putting in an offer on a property, with mortgage funds in place, are far more likely to be considered than one who currently has empty pockets.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your   mortgage.  There may be a fee for mortgage advice. The exact amount will depend on your circumstances, but we estimate it to be     £1500 / 1.5%.

 The overall cost for comparison is 7.6% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.