First Time Buyers
We know how exciting it can be buying your first home, but also that it can be difficult to get onto the first rung of the property ladder. Often the toughest challenge facing first time buyers is saving a deposit large enough to secure a mortgage when you have other financial commitments such as rent and bills. There are some lenders who will accept applicants who have received help raising the deposit from a family member. The government has also launched a range of initiatives to help homebuyers such as shared ownership, Right to Buy, Forces Help to Buy and Help to Buy: ISA – for more information on these schemes follow this link – https://www.helptobuy.gov.uk/
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The housing market can sometimes move quickly. We have the knowledge and the experience to recommend a lender who will be able to accommodate swift turnaround times if required to ensure that a survey is instructed to secure your offer. We take into consideration your current mortgage and explore the option of porting your mortgage so that early repayment charges may be avoided.
Whether you are looking to make home improvements to your home, review your mortgage term or are simply looking to lower your monthly repayments, we can help. There are many competitive products on the market that offer assistance with fees so that there are no large upfront costs.
We can also look at the rates your exisitng Lender is offering you – in some circumstances, it may be better for you to stay with your exisitng lender and we can arrange this on your behalf.
Buy To Let
If you are looking to buy a property for investment it is crucial that you speak to a broker. We regularly help investors review and expand their portfolios. We can also advise on Let to Buys, Holiday Lets, HMO’s, Student Lets and Airb&b.