With soaring house prices over the last five years, getting on the property ladder has become a lot harder for the first time buyer. However we can help you in a number of ways.
Mortgages up to 95% of the property value are available for first time buyers as long as your income or joint incomes can meet the lenders income multiple or affordability criteria.
125% mortgages - If you do not have a deposit and your income is sufficient to meet the lenders criteria, there are some lenders who will lend up to 125% of the purchase price of the property as long as your income is sufficient for their lending criteria.
Guarantor mortgages Alternatively, if a close relative can act as a guarantor for the mortgage, then providing you can expect to reach the required income level within a few years, and your guarantor’s income is sufficient to cover the mortgage payments in case you default, a deal can usually be set up. The guarantor should be advised to take independent legal advice before agreeing to act as guarantor.
We will be able to give you an "agreement in principle" as to how much you can borrow in your individual circumstances.
We will then be able to give you a personal illustration detailing how much it will cost per month and what the fees involved would be.
We will also provide you with a buget planner planner of the likely costs of running your home.
For a free consultation without obligation phone free on 0800 093 2621 or alternatively fill in the
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
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