First Time Buyers

Service Details

Buying your first home and applying for a mortgage can be daunting, but rest assured I will walk you through the whole process every step of the way.

Whether you have already found the home of your dreams, or simply curious about taking that first step onto the property ladder, I can put you in a more informed position at the start of your exciting venture.  Our initial chat will cover –

The whole homebuying process; what happens and when

The amount of deposit you will need

The pros and cons of the different mortgage options

Which insurances you may need and the cost

How much you can borrow

The other fees you will have to pay

How much your mortgage repayments will be

We will then arrange and submit a Decision in Principle (DIP) for you. This will show estate agents that you are able to buy a property and that your mortgage application has already been accepted – in principle.

As a first-time buyer, you will be in the unique position of not being in a chain and therefore able to move quickly.  As well as having the Decision In Principle in place, this will further increase your credibility with estate agents, placing you in the best possible position when making an offer on your new home.

Once you have agreed the purchase price, we will then proceed with submitting the full mortgage application, recommend a solicitor if you don’t already have one, and move the purchase towards completion and the big day when you pick up the keys to your new home.

Help to buy

If you are considering using the government’s Help to Buy scheme to aid your purchase, I can help you with that too.  I have helped many first-time buyers understand the application process and meet the specialist criteria lenders look for.

You can find out more about Help to Buy by clicking the button below

Please be aware that by clicking on the above link you are leaving The Mortgage Depot website.  Please note that The Mortgage Depot nor HL Partnership Ltd are responsible for the accuracy of the information contained within the linked site accessible from this page.

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