We work with MAB, who have access to 90 Lenders and have over 12,000 products available, many of these are exclusive
FIRST TIME BUYERS
If you’ve never bought a home before, the whole process can seem quite bewildering. If you are a first-time buyer who is currently finding the mortgage market somewhat challenging to navigate, then you are certainly not alone.
The whole team are here to ‘hold your hand’ through every step. Providing you with all the help, advice and support you need to make your first step on the property ladder as smooth as possible and successfully secure your ideal first home.
Your Mortgage Specialist will guide you through the best mortgage deals available and recommend a mortgage to suit your individual needs, budget and circumstances. They will clearly explain the “jargon” there is no question that hasn’t been asked before or needed to be explained more than once.
The help and advice does not stop at the mortgage. Your broker is here to recommend the most efficient solicitors and most importantly, protect your new home and yourselves with home and life insurances.
The team are here for you through the whole journey. Keeping you updated at all times and making you aware of every milestone crossed along the way.
Get Mortgage Ready
If you are a First Time Buyer there are a few things you might want to do to get “mortgage ready” and to help us to obtain you the best possible deal.
You need to ensure that you are as attractive as possible to Lenders you can influence this by:
Checking your credit score and ensuring that any errors on your report are fixed as soon as possible. You should also ensure that you are not financially linked to any ex-partners or old flatmates with poor credit scores.
There are also a number of other things you can personally do to enhance your attractiveness, including:
Registering to vote
Managing your available credit carefully
Closing any inactive accounts
Paying your bills on time and staying out of your overdraft
Avoiding applying for credit shortly before submitting your mortgage application
The Smart choice
for excellent Advice.
We work with Mortgage Advice Bureau who provide expert mortgage advice and find the right mortgage product for your circumstances. Mortgage Advice Bureau is the UK’s leading mortgage intermediary brand, winning over 150 national awards for the quality of its advice and service. They offer expert mortgage advice on a local, regional and national level both face-to-face and over the phone.
Smart Advice Financial Solutions LTD is an introducer appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority. Whose registration numbers with the Financial Conduct Authority are 455545 for Mortgage Advice Bureau and 569199 for Smart Advice Financial Solutions.
Smart Advice Financial Solutions LTD. Registered office: Chapps Farmhouse Slaughterford Mill, Slaughterford, Chippenham, England, SN14 8RJ – CRN 07797549