Something for First-Time Buyers

29th March 2020

 

The first step is to find out how much money you can borrow and then work out what’s affordable for you. The main hurdle many first time buyers come up against is finding money for the deposit. Having a small deposit can restrict the number of mortgages available to you, but there are first time buyer mortgage schemes – such as Help to Buy – which your mortgage adviser can discuss with you.

Following this, the next step is to get yourself mortgage ready. With more stringent affordability testing from the lender, it’s important that your finances are in order. You might be surprised that there are actually some really simple things you can do to help improve your chances of getting a mortgage.

 

Our Mortgage and Protection Advisers

Our professional mortgage advisers are experts when it comes to arranging first time buyer mortgages. With access to over 12,000 mortgages from over 90 lenders, we’re perfectly placed to help you find the right mortgage and get you on the property ladder. We’ll be on hand to guide you through the whole process, right up until the day you get the keys in your hand.

Whether you prefer a face to face or telephone appointment, we will offer the same expert service. Our advisers will take into consideration your personal circumstances, including your income, outgoings, deposit money etc. All of this helps us build a picture of your financial situation and can help us recommend a mortgage deal that is right for you.

To book an appointment to speak to an adviser, please call us on 01252 71000.

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I can highly recommend Charters Financial Services. I was happy with the level of service that I received when arranging my first mortgage after my advisor secured the best mortgage to suit my needs compared to competitors. I dealt directly with Marie and she couldn’t have been more helpful. She proactively contacted me to keep me updated about the progress of my application and made every effort to help during the pandemic which proved challenging. Marie explained the process in simple terms and responded quickly to any queries. She was reliable and a pleasure to deal with.

KC

August 2020

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