First Time Buyers
Buying your first home can be a daunting prospect, not knowing what you can borrow, what it will cost and where to start.
Our job is to explain the whole process to you step by step so that you are in an informed position and ready to go off and find a suitable property.
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We explain and help with the following –
the types of mortgage’s that are available and how they work
how much you can borrow and the monthly cost of mortgage repayments
the associated fees and charges involved
how to obtain a copy of your credit file and how to understand it
stamp duty costs
the importance of an agreement in principle
valuation and survey options
the role of the Estate Agent and Solicitor and how we help liaise with them all
expected timescales and the how the whole process works
your protection options as you will have worked hard to get the property and you don’t want to lose it