First Time Buyer Mortgage Advice from the experts

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Some of our Mortgage Lenders

Halifax
Principality
Natwest
Leeds Building Society
Barclays
Metro Bank
Aldermore Bank
Nationwide Building Society
Birmingham Midshires

How much deposit do I need as a First Time Buyer?

This is entirely dependant on your circumstances. While having 10% of the purchase price is the minimum right now its always worth talking to us. We have a number of different options available including family assisted mortgages

Do I need a good credit rating?

No, as we are a credit broker and not a bank, we can search wider to find you the best loan with the highest chances of acceptance. Even if you have a poor credit history! That’s much more than any bank can offer.

Who qualifies as a First Time Buyer?

This can vary from lender to lender. Some will class you as a first time buyer if you have not owed a property in the last 12 months. Other’s will not include you if you have ever owned a property. Our qualified advisers will guide you through the best options for you.

Can I overpay or pay off early?

You’ll normally be able to pay off all or part of your mortgage early, though some lenders may have an early payment charge.

How much can I borrow?

The amount you’ll be eligible to borrow will depend on your personal circumstances – if you have a poor or limited credit history, you may not be able to borrow as much as someone with a good credit history.

Can I remortgage for debt consolidation?

The amount you’ll be eligible to borrow will depend on your personal circumstances – if you have a poor or limited credit history, you may not be able to borrow as much as someone with a good credit history.