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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0118 9451805

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We explain and help with the following –

d

the types of mortgage’s that are available and how they work

d

how much you can borrow and the monthly cost of mortgage repayments

d

the associated fees and charges involved

d

how to obtain a copy of your credit file and how to understand it

d

stamp duty costs

d

the importance of an agreement in principle

d

valuation and survey options

d

the role of the Estate Agent and Solicitor and how we help liaise with them all

d

expected timescales and the how the whole process works

d

your protection options as you will have worked hard to get the property and you don’t want to lose it

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Regency Mortgage Services is a trading style of Christopher Alan Pownall who is an Appointed Representative of Mortgage Intelligence Ltd which is authorised and regulated by the Financial Conduct Authority under number 305330 in respect of mortgage, insurance and consumer credit mediation activities only.

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

There will be a fee for the advice given, the exact amount will depend upon your circumstances but we estimate it will be £299

We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service (www.http://www.financial-ombudsman.org.uk/consumer/complaints.htm). You may be able to submit a claim through the EU Online Dispute Resolution Platform (https://webgate.ec.europa.eu/odr/main/?event=main.home.show if you live outside the United Kingdom or if you prefer not to deal directly with the Financial Ombudsman Service.)
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