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First Time Buyer
Buying your first property is a big commitment and can appear daunting. With a maze of mortgages, terminology, and paperwork it can be difficult to know where to begin.
To make this journey a little less overwhelming and help you understand what you need to know I will support you through the process step by step and explain to you all the options so you can be confident of making the right choices.
Buying your home is likely to be the biggest purchase you will ever make. Before you start looking at properties you will need to ascertain how much you can afford to borrow and also consider all of the associated financial costs like money for a deposit, valuation fees, legal fees, and stamp duty. It is always a good idea to have an 'Agreement in Principle' from a lender as although it's not guaranteed it shows Estate Agents that you are serious about buying a property and getting a mortgage.
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Re-Mortgaging or Home Mover?
It may have been a while since you moved house or remortgaged your home. The mortgage market has become more complex with mortgages sometimes harder to secure than ever before.
Whether you are moving up the property ladder or downsizing it's vital to get it right. I will discuss with you your specific needs and circumstances to ensure that I place your mortgage with the right lender on the right terms to match your requirements. Moving home can be an expensive time with other costs and fees to pay such as legal fees, survey fees, estate agents fees, and stamp duty.
These days every different mortgage application has to be packaged in a unique way that is specific to your circumstances, and it takes experience and expertise to do this properly. I will talk you through the whole process, discuss options and be on hand every step of the way.
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