Taking your first step on the property ladder
Purchasing a property as a First Time Buyer can be both exciting and stressful at the same time. Often a property you wish to purchase will be part of a chain.
Having decided to buy a home, you will need to borrow money in the form of a residential, or ‘owner-occupier’ mortgage.
These are long-term loans, provided by banks or building societies that are secured by a 1st charge on the property title, be it Freehold or Leasehold.
There are a multitude of mortgage options available. Legislation introduced in 2014 has meant that arranging a residential mortgage, or remortgage is not as straightforward as it once was.
It is now more important than ever to employ the services of a mortgage broker with access to the whole of market, in order that you make the correct decisions in deciding which mortgage is the most appropriate for you.
As a Whole of Market mortgage broker, we have access to the whole of market and can compare mortgage schemes from High Street lenders, broker only lenders, Private Banks, smaller building societies or specialist loan providers. As part of the Quilter Financial Planning network, we have access to exclusive products which aren’t available on the high street, which can make a real difference.