MORTGAGES

First time buyer

FIRST TIME BUYERS

A First-time buyer is a buyer that has never owned a residential property.

We calculate how much you can afford based on your incomings and outgoings and how much deposit you have available.

REMORTGAGE

A remortgage is a new loan that you take out on an existing property you already own. 

CREDIT BLIP

Be prepared to put down a bigger deposit. Poor Credit Mortgages often require a larger initial deposit.

SELF-EMPLOYED

Make sure your self-assessment and tax returns are up to date.

BUY-TO-LET

If you are planning to buy a property to rent out, you will need a buy-to-let mortgage.

BROKER FEE DISCOSURE

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate it will be £649. 

Standard Mortgage Risk Warning

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

BTL Risk Warning

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

Non-Regulated Risk Statements

The Financial Conduct Authority does not regulate some forms of Buy to Lets, Wills, Trusts and Overseas Mortgages.

The Financial Conduct Authority does not regulate commercial finance, secured or unsecured loans and will writing.

The Financial Conduct Authority does not regulate secured or commercial lending.