SMART
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
