First Time Buyer Mortgage
Stepping on to the property ladder is an exciting, but daunting time, but don’t worry, we are here to help you every step of the way!
We are First Time Buyer Mortgage Experts!
Being a First Time Buyer is an exciting time, it’s a massive step; often involving a lot of determination and saving. However, it can be overwhelming.
The world of mortgages is full of technical jargon - fixed rate, variable rate, repayment, interest only, mortgage term, cash deposit, loan to value (LTV).
You may have many questions:
• How long does the process take?
• Who do I pay the deposit to?
• How much deposit do I need?
• On top of my deposit, what else do I need to pay out for?
Here’s the good news! We help thousands of first time buyers secure the best possible mortgage.
We will guide you through the steps:
1. Source the most suitable mortgage product to match your individual financial circumstances.
2. Complete and manage the mortgage application.
3. Talk to the selected lender.
4. Provide you with advice on the required insurances.
Your dedicated Mortgage Expert will keep you fully up to date with your application, through to completion.
If you’re a First Time Buyer, talk to our experts today!
Now that you have found The Mortgage Experts, do not settle for anything less.
With nearly 150 years of financial services experience, from debt management to mortgages to protection, our varied industry knowledge will cater for any financial circumstance you find yourself in.
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As your mortgage broker, we are here to find the right product for you!
As a first time buyer, you are likely to have lots of questions. Here is where our qualified and experienced brokers come into play, guiding you through the buying process one step at a time.
Become better informed with our mortgage tools
Our Mortgage Process
Our proven and methodical process will ensure we secure you the best possible deal, keeping you fully up-to-date at every stage. Here is how it works...
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1
The Introduction
We start by getting to know you, your needs and your requirements. Here we assess your incomings and outgoings, setting an agreeable budget.
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2
Product Match
Then we obtain and review your credit profile before searching the 'whole of market' to find the most suitable lender and mortgage product for your requirements.
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3
Lender Agreement
Next up we provide you with a fully protected mortgage quote and then look to obtain a mortgage in principle from the selected lender.
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4
Completion Time
Finally, we complete all of the relevant paperwork and guide you through the remainder of the process until success completion has been achieved.
Let's start your enquiry today...
Here we will capture all of the detail we require to start finding you the perfect mortgage product.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
We charge a fee of £750 for the straight forward mortgage application and up to £1,495 for the more complex ones. Prior to application we will let you know when this becomes payable. Please note we do not charge any fees upfront. CCJ Mortgage Expert, IVA Mortgage Expert, Expat Mortgage Expert and The Mortgage Expert are trading styles of The Mortgage Expert Group Ltd. The Mortgage Expert Group Limited is authorised and regulated by the Financial Conduct Authority (FCA) and is entered on the Financial Services Register under reference 980777. Registered in England 11642575. Registered Office: Wrest Park, Silsoe, Bedford, Bedfordshire MK45 4HS. It is our intention to provide you with a high level of customer service at all times. If there is an occasion when we do not meet these standards and you wish to register a complaint, please contact us by writing to our Customer Services Department, The Mortgage Expert, Wrest Park, Silsoe, Bedford, Bedfordshire MK45 4HS or by phone: 01582 450000. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service