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Buying your first home should be fun – not frightening. It’s easy to see why some people can feel overwhelmed though.
There are a lot of different terms thrown at you from the second you start looking at mortgages: fixed rate, variable rate, repayment mortgage, interest-only, mortgage term, deposit, loan-to-value – and this is all jargon people expect you to already understand.
Not to mention the fact that you might not know much about the homebuying process in general. How long does it take? What other services do you have to pay for? Who do you pay your deposit to? How much do you need in deposit?
You don’t have to figure it all out by yourself. We provide mortgage advice for first-time buyers, helping you at every stage of the application process. But that’s not all we do.
We’re a different kind of broker. We guide you through the entire homebuying journey. We find you the right mortgage, fill out and manage the application, liaise with the lender, arrange the insurance and refer you to a solicitor – all before organising the removal service and helping set up your bills
FIRST TIME BUYER MORTGAGES
Whether you are investing in buy-to-let properties for the rental income or for the potential capital appreciation, choosing the right mortgage is essential. Not least because it is fraudulent to either let a property while only paying for a residential mortgage, or to move into a property that you have told the lender you are renting out.
You can only qualify for a buy-to-let mortgage based on the amount of rental income that you generate. Our mortgage experts at John Charcol will help you by researching the market to find the best buy-to-let mortgage rates for you.
We compare thousands of buy-to-let mortgages in the market. Many of the deals you find through this comparison tool are not available on the high street, but only through independent brokers like John Charcol.
Whether you are investing in the property market for the first time or you are a professional landlord, get in touch to see how we can save you time, effort and money.
BUY TO LET ADVICE
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT
We have teamed up with John Charcol to offer you whole of market mortgage advice. Established in 1974, they are the UK’s original independent mortgage broker. With over 40 years’ experience in the industry, they understand the challenges our clients face and have the experience and expertise to help guide them through the complex process of buying a house, remortgaging or investing in the property market. Whether you’re a first-time buyer or you’ve owned your property for some time, John Charcol’s mortgage experts are here to help you.