Helping you step foot on the property ladder

Firstly, congratulations for reaching this step. Buying a home is a huge achievement and a very exciting moment in your life.

Of course, however, what’s excitement without a little bit of craziness and hard work? All of which comes with the process of purchasing a home.

Not to worry though, our trusted team of qualified advisors are here to help. From hosting a friendly and informal chat with yourself, to dealing with the lender on your behalf, we’ll be here to guide and support you along the way.

We work together

After you’ve reached out to us, we’ll invite you for a preliminary chat with one of our qualified advisors who will continue to support you, get to know you and learn about your goals and ambitions in life.

Any initial queries or concerns you may have will be discussed in your first meeting and you’ll be able to speak with your advisor as and when you need to throughout the process.

In the meantime, our team will be working hard to ensure that everything is in place to find and secure you the best mortgage deal.

You don’t need to worry about contacting potential lenders or filing lots of paperwork – we’ll do all of this for you.

All you have to do is keep us informed of where you’re at with your thoughts and preferences and we’ll find the best deal for you in no time.

Top tips for first time buyers

We fully understand that buying a house for the first time can be a daunting prospect. The end goal is in reach, but you’re likely to feel confused, or even worried throughout the journey.

That’s why we’re here to answer any questions or uncertainties you may have.

We’d wouldn’t want you to miss out on what could be your dream home, purely because you’re unsure of something.

Our advisors are always happy to have a chat with you should you need. But in the meantime, why not read through some of our top tips whilst you consider buying your first home:

  • Be realistic
    It’s easy to get carried away thinking about your dream home, but it’s important to make sure that you are realistic about your budget.

    You should ensure the intended mortgage is affordable – you can use our first time buyer calculator to check this.

    You should also make sure that you have factored in additional expenses. For example, you may need to furnish a new build or carry out extensive work on an older property, such as re-flooring or re-wiring.

    This brings us to our second tip which is…
  • Save and budget
    It goes without saying, but saving as much as you can will really help when buying your first home.

    If you have been living with parents or renting in a bills-inclusive property, you will need to get into the habit of budgeting for expenses such as council tax, gas and electricity bills.
  • Improve your credit score
    When taking out a mortgage you’ll be subject to a credit score check, so it is important that you’re making a conscious effort to improve your credit rating.

    If you would like to check your credit history, you can do so by filing a credit report at checkmyfile.com

Checkmyfile

Check you credit history here

Please note when signing up to Check My File you’ll be enrolled into a 30 day free trial. This can be cancelled at any time, however if you continue with your subscription after the free trial has ended then you will be charged £14.99 for the services.

  • Ask for help
    You may benefit from taking an experience home buyer, such as your parents or home-owning friend, with you to look around a property.

    They will be able to help make you aware of certain details which might otherwise be overlooked.
  • Don’t be afraid to ask questions
    It is important to arrive at property viewings prepped with questions your estate agent. Topics you may wish to address include:
    • Why is the owner selling?
    • How long has the property been on the market?
    • How much is the Council Tax?
    • What is the local area or neighbourhood like? If you have children, perhaps you’d like to ask about local schools.
    • Will the seller negotiate a price?
    • Are there any constructive plans for the local area?