We appreciate how important it is to get on the housing ladder, however with prices so high, we understand how difficult it is for First Time Buyers to make this step and we’ve helped many First Time Buyers with their first mortgage home finance.
Essentially, the bigger the deposit the better – the more choice there will be and the lower the interest rate and set up costs.
However, if you don’t have much of a deposit, there are sometimes ways of getting around this through vendor gifted deposits, guarantor mortgages, shared equity or shared ownership schemes to name but a few.
We can advise on the type of mortgage that will best meet your needs, whether fixed, tracker, variable or discount and if you want interest only or repayment. We advise on the lowest overall cost basis taking the interest rate as well as set up fees into account and as we are “whole of market” we search through all the mortgages from all the lenders on the market.