Mortgage Advice you can depend on

A mortgage is most probably the largest expenditure you will ever have to undertake, as a first time buyer getting it right is essential, that is where we would like to help you. Our Mortgage advisers are local to you & will work with you every step of the way to make the first time buyer mortgage process simple, we will explain the entire process & do the paperwork.

We can access the major lenders in the First Time Buyer market, we can compare different mortgage lenders, type’s & rates to suit you. It’s all covered with a GHL Direct Mortgage Adviser

Our Mortgage Advisers understand buying a home for the first time can be a daunting prospect. There’s so many things to think about – and that’s before you’ve even considered the many mortgage products, rates and lenders to choose from.

As Comprehensive Mortgage & Insurance Advisers, we are able to source mortgages from a range of over 50 lenders currently available in today’s mortgage & Protection market. With no ties to any one lender, bank or building society, we review your requirements and research all of these lenders to find a suitable product for your specific circumstances.

Mortgage AdviceBy getting to know your priorities and goals and understanding the bigger picture, we can piece together a Mortgage to ensure the things that matter to you most – your family, income, business, or maybe all three – are protected leaving you on track to achieve your financial goals.

Once we have identified the options available we’ll meet with you again or discuss our findings over the phone, whichever is more suitable to you. Assuming you are happy with our recommendation, we will work with you to complete the Mortgage application forms & liaise on your behalf with solicitors, valuers & surveyors. We can also guide you through protecting your new property and we will always be there for you throughout the process.

We hope we have given you a broad insight into what’s involved in a property purchase. There are many types of mortgages available, numerous additional things to think about and costs to bear in mind. If you’d like more information, or would like help planning your first property purchase, please get in touch.

Home Insurance

First Time Buyers checklist

  • Budget accurately: – Be realistic about how much you can afford to spend on a house
  • Consider Council Tax: Make sure you know what the likely council tax charge will be.
  • Look at the local area: Even if you do not have children, remember that property in the catchment area of good local schools will always be much easier to sell on. Also, write down a list of local amenities which are important to you.
  • Buildings /Contents Insurance – Your new home will need buildings & contents insurance.
  • Internet connectivity: If you are a heavy internet user, check the broadband speeds available in the area you’re moving to.
  • Life Insurance – Important to remember this vital protection to cover your loved ones and assets in the case the unthinkable happens.

Your home may be repossessed if you do not keep up repayments on your mortgage.