First Time Buyers
Starting your adventure as a first-time buyer? We're here to help you navigate the mortgage process with confidence. Buying your first home is an exciting journey, and we’re here to make it simple and stress-free.
Let’s take this
important step
together…
With our expert guidance and friendly support, we’ll walk you through every step, turning your dream of homeownership into a reality.
We are here to answer any questions you may have
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Eligibility for a mortgage depends on several factors, including your income, employment status, credit history, and the size of your deposit. Lenders will assess your financial situation to determine how much you can borrow and the type of mortgage suitable for you. If you're unsure about your eligibility, our team can conduct a quick assessment to give you an idea of where you stand and advise you on how to improve your chances of approval.
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The amount you can borrow will typically be based on your income, expenses, and any existing debts. Most lenders offer a maximum of 4 to 4.5 times your annual salary although some can go as high as 6 times. As for the deposit, you’ll generally need at least 5% to 10% of the property’s value. However, a larger deposit can provide you with better mortgage options and lower interest rates. We can help you figure out exactly how much you can afford and what deposit size will work best for your situation.
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The mortgage process usually involves several steps, starting with an initial consultation to understand your financial situation and needs. We’ll then guide you through getting an Agreement in Principle, which confirms how much you could borrow and checks your credit record, followed by the full application once you’ve found a property. We’re here to make the process smooth and efficient, keeping you informed every step of the way.
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From application to approval, the process can take anywhere from 4 to 8 weeks, depending on your circumstances and how quickly you provide the required documents.
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To prepare for the mortgage application, start by checking your credit score and addressing any issues, as this will impact your eligibility. Gather important documents such as proof of income, bank statements, and identification. It's also helpful to determine your budget and how much you can afford for a deposit. Our team can provide you with a checklist and guide you through the preparation process to ensure you're ready to apply.
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Get in Touch
If you’d like to learn more about how we can help you purchase your first property, or book your free initial consultation, please get in touch.
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