Contact us for a free Mortgage Review to see if we can save you some money!

First Time Buyers

  • 95% Mortgages available
  • 100% in circumstances with gifted deposit
  • Whole of Market Options
  • Adverse credit options
  • Help & advice every step of the way
  • Free initial consultation 
  • Fully qualified advisers 
  • Telephone appointments available
  • Home Insurance and Protection options also available
  • Friendly advisers here to answer any questions

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Helpful Information

Affordbility

Lenders calculate affordability differently and therefore it's always a good idea to know how much you can borrow and then you have the peace of mind that you are looking at properties within your affordability. 

We are happy to offer a free consultation where we will be able to advise how much you could borrow. 

Stamp Duty

Rates if you're buying your first home


You can claim a discount (relief) so you don’t pay any tax up to £300,000 and 5% on the portion from £300,001 to £500,000.

You’re eligible if:

  • you, and anyone else you’re buying with, are first-time buyers

If the price is over £500,000, you follow the rules for people who’ve bought a home before


Calculator https://www.tax.service.gov.uk/calculate-stamp-duty-land-tax/#/introhttps://www.tax.service.gov.uk/calculate-stamp-duty-land-tax/#/intro

100% / No deposit Mortgages

There are many options up to 95% loan to value. The more deposit you can put down, generally the lower the rate you will qualify for. 


If you are struggling to raise a deposit, there are options available where a family member can provide a deposit on your behalf, earn interest on that money and get it back after 3 years. 


Get in touch for more information. 

Agreement in Principle

You'll be in a much stronger position when putting an offer in on a property if you already have an agreement in principle for your mortgage. 


Give us a call today, with a free consultation, we can provide you with an agreement in principle at no cost to you. 

Help to Buy

Another great option if you're struggling to save a deposit. With just a 5% deposit you can benefit from a Help to Buy Equity Loan if purchasing a New Build Property. 


The Equity loan gives you a bigger deposit which will secure you a more favourable mortgage rate and you don't have to make payments to the Equity loan for the first 5 years. 


Call us today to discuss in more detail.

All circumstances considered

Give us a call for a no obligation friendly chat. We are here to help and advise and we can help in all kinds of situations. Whether it be Self-Employed, Adverse Credit, benefit income and more.