First Time Buyers
Buying your first home is an incredibly exciting time and we are delighted to be in a position to help you on this journey.
Typically, there is an awful lot to take in at this stage and the whole process can seem overwhelming. We will be here at every point to guide you, answer any questions you might have (there’s no such thing as a stupid question!) and make the whole process as fast, stress free and as enjoyable as possible.
We have broken down some of the basics here for you below, so no need for a good memory!
Buying a home and getting your first mortgage should be a very simple process providing you get the right advice and guidance. The first part of the procedure is understanding your borrowing capacity and ensuring the house you like is at an achievable & affordable price.
After an initial discussion about your plans, we will complete a fact find questionnaire with you to make sure we have understood your needs & current circumstances accurately and your housing goals are attainable. This enables us to check your borrowing capacity and obtain a decision in principle (this is what you need to make an official bid on a property). At this stage, we will also confirm all the costs involved in buying a property, to ensure you are fully prepared & funded.
