Mortgages!
First Time Buyers
Now you have squirrelled your pennies away, you are ready to take that large leap of purchasing your first home. This for most of us will be the largest purchase we ever make.
We understand that taking the first step on the property ladder is an exciting time but can also be a little overwhelming. As this is your first ever property purchase it is important to understand every aspect of the process before you make your decision to proceed.
There is a lot to consider including, the mortgage terminology, how much you can borrow, your monthly repayments, the setup fees including stamp duty and survey fees, what type of survey you should have. Then there is mortgage protection to consider.
These considerations, along with others factors are fully explained throughout our conversations right from the outset. First time buyer mortgages need not to be complicated, it is about understanding the terminology. Time is taken to explain the process with you and ensure that you are fully informed before deciding.
Moving up the Property Ladder
As with most things in life, circumstances change and you may find yourself having to make changes. The beautiful property that you purchased a number of years ago is now not meeting your needs, which could be for a number of reasons. It is too small for your family, you are looking to change areas, you want to ‘do a property up’ to obtain some growth on the value or you may just want to move house.
No matter what the reason, obtaining the most suitable mortgage for your needs is crucial. You might have had a change in circumstances and trying to find a mortgage provider that will match your requirements may not be as straight forward as previously. Different lenders look at criteria differently, so once all your information is collected finding the mortgage which meets your requirements is key. Should you wish to change your existing lender in order to re-mortgage you may have to pay an early repayment charge. Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgages!
First Time Buyers
Now you have squirrelled your pennies away, you are ready to take that large leap of purchasing your first home. This for most of us will be the largest purchase we ever make.
We understand that taking the first step on the property ladder is an exciting time but can also be a little overwhelming. As this is your first ever property purchase it is important to understand every aspect of the process before you make your decision to proceed.
There is a lot to consider including, the mortgage terminology, how much you can borrow, your monthly repayments, the setup fees including stamp duty and survey fees, what type of survey you should have. Then there is mortgage protection to consider.
These considerations, along with others factors are fully explained throughout our conversations right from the outset. First time buyer mortgages need not to be complicated, it is about understanding the terminology. Time is taken to explain the process with you and ensure that you are fully informed before deciding.
Moving up the Property Ladder
As with most things in life, circumstances change and you may find yourself having to make changes. The beautiful property that you purchased a number of years ago is now not meeting your needs, which could be for a number of reasons. It is too small for your family, you are looking to change areas, you want to ‘do a property up’ to obtain some growth on the value or you may just want to move house.
No matter what the reason, obtaining the most suitable mortgage for your needs is crucial. You might have had a change in circumstances and trying to find a mortgage provider that will match your requirements may not be as straight forward as previously. Different lenders look at criteria differently, so once all your information is collected finding the mortgage which meets your requirements is key. Should you wish to change your existing lender in order to re-mortgage you may have to pay an early repayment charge. Your home may be repossessed if you do not keep up repayments on your mortgage.
They say moving house can be one of the most stressfull processes you will go through, but it is so much easier when you have someone on your side.
