House Purchase

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 the 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 making a decision.

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 up a property to obtain some growth on the value or you may just want to move house.

No matter what the reason, obtaining the correct mortgage for your needs is important. 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 we will then know which mortgage meets your requirements.

In any case whatever stage in your life you are at, we will be able to guide you to the right mortgage for that dream property.

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