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How to buy a first home
We'll help you save time, hassle and money by knowing which lenders are most likely to accept your mortgage application, first time.
Being a first time home buyer is exciting and we'd love to help with your mortgage advice. Book your free home buying consultation and get expert first time buyer mortgage advice, we’ll be there for you every step of the way. The best bit, you don’t even have to leave home to get your mortgage advice. We are very flexible and offer appointments over the phone, via video call or face to face, its all no obligation so you really have nothing to lose.
3 easy steps to mortgage
We provide first time buyer mortgage advice
We work with mortgages all day, every day so you don’t have to. As we are experts in first time buyer mortgages we’ll calculate how much mortgage you might qualify for as well as the maximum price you could afford for a property. And most importantly the chances of your mortgage application being approved.
Is it worth using a mortgage advisor
As a first time home buyer you have lots to think about. A professional mortgage advisor will find you the best mortgage rates while making sure your application is lender ready. It could save you a lot of time, money and hassle long term.
Why use GHL Direct
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What questions should a first time home buyer ask?
Some questions to ask when buying a house for the first time. We cover booking mortgage appointments to broker fees and everything in between.
An initial meeting with a GHL Direct mortgage advisor to discuss your first time buyer mortgage will usually be under 30 minutes. That said, it can last up to one hour depending on the complexity of your circumstances. At this point we’ll try to keep it brief.
Your initial meeting with a GHL Direct adviser to discuss your requirements is at our advisers own expense and always without obligation. Some mortgage advisors charge nothing, others charge according to the complexity of each individual case. Some mortgage advisers will charge an up-front flat fee while others will take commission from the bank or lender providing the loan. Your mortgage advisor will outline all this to you at the start of the meeting.
If you are a first-time buyer, the first question you probably asked was, ‘how much can I borrow’ or ‘can I afford a mortgage’. You probably also want to think about how much you can safely borrow. It’s important to think about what would happen if your circumstances were to change and your were unable to meet your mortgage repayments. It does happen so factor in all your other monthly payments before deciding how much you’d like your mortgage loan to be.
Before looking at properties or trying to arrange your mortgage, you need to save for a deposit. Generally, you’ll need to try to save at least 5% of the cost of the home you’d like to buy. For example, if you want to buy a home costing £150,000, you’ll need to save at least £7,500 (5%) for the deposit. Saving anything above 5% will give you access to a wider range of cheaper mortgages available on the market and a lower interest rate. To save money long term try and put down as much as you possibly can afford.
To put it bluntly, the best mortgage for you is one that you can afford. There are many types of mortgages for first time buyers, different mortgage repayment options and 1000s of mortgage rates on the market. Your mortgage advisor will be able to source your mortgage based on income, deposit and loan to value to find the the right mortgage offer for you.
If your a first home buyer our mortgage advice can be a great help. Taking professional mortgage advice can make the difference between a successful mortgage application and being rejected. It may also lead to a much better value deal as we have access to over 50 major mortgage lenders in the UK. This could potentially saving you thousands of pounds over the mortgage term.
Our mortgage advisors are not restricted to any particular providers and will act solely in your best interests. We have access to over 15,000 mortgages from 53 of the UKs top mortgage lenders, we can even offer you deals your own bank may not. You should be confident the deal they recommend will be the best available mortgage for your circumstances. You also get to speak to us anytime of the day whereas your bank may only operate during business hours.
We really hope this isn’t the case but if you really don’t like our company or our advice its absolutely no problem at all. Your under no obligation to take our advice or in fact any mortgage advisors advice and this call is completely free to you
Once we have identified the options available, we’ll meet or chat with you again to discuss our recommendations over the phone. We’ll also write to you so you can review what we have suggested, and why. Assuming you’re happy with our recommendations, we’ll work with you to complete the application forms and liaise with your solicitor, valuers and surveyors on your behalf. We can also talk you through the vital areas involved in financially protecting your new property and we’ll stay in touch throughout the process – and into the future.
Buying a property isn’t just about the right mortgage; it also involves solicitors, surveys and insurance. Your financial advisor can help you will all of this and will talk you through the options at a later stage. One advisor, multiple solutions. We aim to keep it all stress free for you.