First Time Buyers Mortgage
- Why Use Us

What a first time buyer would have to do without the first time buy mortgage broker support

As a first time buyer it would be necessary to find out how the house process works. It has a fairly rigid structure and is not the same in England as it is in Scotland for example. Once you have found out how to go about buying a house you will need (like most of us) to raise a first time buyer mortgage to help you meet the purchase price of your chosen property. It is not an impossible task but can take a considerable amount of time and effort and care to ensure you get the right result.

Finding the right first time buyer mortgage

» You will need to research all the different mortgages and loan schemes available to a first time buyer and hope you find a cheap mortgage and the best one to meet your circumstances when buying your first property. Research all the different types of mortgage rates to find the one most appropriate to your situation as a first time buyer. Go to lots of high street mortgage outlets for information on house purchase and sort out which has the cheapest rate for a loan that suits you.

» Attend time consuming mortgage advice interviews to check you qualify for your chosen lender's mortgage schemes as all are not available to first time buyers.

» Check nothing has changed since you decided on a particular lender

» Wait for the adviser to assess your situation and get provisional approval of your required mortgage loan.

Once the first time buyer mortgage advice has been accepted you then have to:

» Sort out a reliable surveyor to check that your property purchase is sound.

» Find a solicitor who is experienced in conveyances and remortgages.

» Check that all the paperwork is correct and suitable to your house purchase or remortgage.

» Resolve any queries and problems arising from the advice of your professional team.

» Ensure that you have anticipated all the upfront costs correctly and are aware of deposit requirements etc so that your house purchase can proceed.

» Then you need to sort out the physical requirements of moving home.

Here's how Click n go can help you with First Time Buyer Mortgage Advice

As set out above as someone new to the house purchase scene you will need to find out how to go about buying your first property. Here at Click n go Mortgages we have been involved in countless first time buyer mortgages applications and seen many first time buyers through to a successful purchase of their first home. We have a wealth of experience to call on and are happy to provide you with all the knowledge you will need to get the right result. We aim to provide a complete and comprehensive service that will leave you free to concentrate on finding the right property and escort you through the process to a satisfactory conclusion.

How we go about finding a first time buyer mortgage

Firstly using good independent mortgage broker for advice is not usually free or cheap. It is true that we charge a fee for our support but you can see below the advice we give and the support you get throughout the process justifies the cost.

The first way we can help you is to look at the whole mortgage market, not just the high street, for the most suitable loan using sophisticated software that is updated daily to give you the most accurate advice and cheapest mortgage deals available in the market. We will use our professional knowledge to present you with the mortgages that you will find most suitable as first time buyers. Remember not all loan schemes are available to the public direct and that cheap is not always best. Some mortgage schemes are available only through mortgage brokers and not to the public directly. It is because we trade as an independent broker that we can provide you with such a wide range of first time buyer mortgages products aimed directly at you as first time buyer.

We will advise you on the cheapest among the type of rates available (fixed, variable, capped, collared or tracker) and how they can benefit you. We will maintain long term contact with you to ensure that your changing needs are met once any fixed rate period has expired and support you through any changes that need to be made.

How quick is the first time buyer mortgage advice process?

The second most important help we can give you is to ensure that you are supplied with quick, accurate and up to date first time buyer mortgage advice. You will need only one detailed discussion with us to establish your situation once you have completed our short online application. This advice can be given over the telephone with written confirmation issued by us within 24 hours. We can source the right scheme for you from literally hundreds available in the whole market and not just the high street.

Once the initial discussion is completed we will obtain an offer in principle which will indicate how much the lender is prepared to lend to you provided the information obtained in our initial discussion is supported by satisfactory paperwork. A significant part of our first time buyer mortgage advice is to ensure that you can afford the mortgage and are aware of the costs of buying a property. Again we would point out that cheap is not always best and that it is the whole mortgage scheme that has to be considered not just the fees.

Supporting your first time buyer mortgage application

As your broker we will monitor and ensure that the correct documentation is supplied to the lender to support the information supplied at the time of our mortgage advice and the application in principle. Getting this right can be quite a challenging task for first time buyers.

As we mentioned above our systems are updated daily to ensure that the mortgage advice we provide is bang up to date. We will hear of any changes at the earliest opportunity and update you of its affect on your application to ensure you get a quick mortgage offer with the least fuss.

Helping you find professional advisors

We have regular contact with the surveyors and their reports. We can advise on the type of survey you should consider and help with any issues that may arise and the ways to go about obtaining further information that may be required regarding damp, dry rot or structural problems etc.

We have a panel of solicitors that we have come across in our routine business. They are both experienced in the legalities of the house purchase process and have demonstrated to us that they can provide a reliable service. It is of course up to you to select from this panel and it in no way restricts your right to choose one of your own. Our panel solicitors will provide an estimate of cost to help you make your decision.

Once the offer has been issued we will check to ensure that it reflects the loan you require and help sort any discrepancy or problems.

We will help resolve and explain any queries raised by the professional advisers working on you behalf.

As part of our initial discussion we explain the costs involved and the likely amounts needed to fund your purchase and explain when these amounts fall due. We also provide a budget calculator to check that the first time buyer mortgage is affordable on a monthly basis.

In doing all of this we enable you to concentrate on the property you want and the physical requirements of moving house and maintain you’re working life as normally as possible.

Our aim is to provide you with a complete service so that you will know how much you can borrow, find you a rate that is cheap and suitable to your needs. You will be able to find the best property you can get and buy it with the most competitive and effective loan available to you within the market. This will be provided in the minimum of time possible to ensure you win the race for your ideal property.

Remember the quality of our service is the strength of our business.