What is a guarantor mortgage?

This is where a third party is named on the mortgage application as guarantor. They are required to sign a legal document and agree to cover the monthly repayments if you do not cover them. The guarantor will not own or have any interest in your property, and they won’t be named on the Title Deeds.

Why would a mortgage in principle be declined?

Here are a few of the most common reasons: You’re not listed on the electoral roll There are errors on your form Your deposit is too small You’re asking to borrow too much Your credit rating is lower than the lenders like to see

I am a first-time buyer with poor credit – can I get a mortgage?

Yes it is possible to do so. The criteria for qualifying for a mortgage when you have a poor credit is very similar whether you are a first-time buyer or already own your own home. Lenders will base any mortgage decision around the hard facts contained in your credit file. With items of bad credit ranging from relatively minor series of late card payments to more serious instances of default or County Court Judgments. They will also consider how much time has passed since these instances occurred and your current financial conduct.

Does a mortgage broker obtain exclusive rates for first-time buyers?

Regardless of your status as a buyer, a broker will often be able to secure exclusive deals and rates. Mortgage brokers with access to the whole market will be able to source lenders, deals, and rates across the whole market. From standard high street names to the niche-market products available through small and specialist lenders.

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First-time buyer mortgage brokers

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Your first-time buyer mortgage brokers

Embarking on homeownership can feel overwhelming. An experienced first-time buyer mortgage broker is your invaluable ally, assessing your finances, demystifying lender criteria, and expertly navigating the entire application. They are your go-to resource for understanding deposits, affordability, rates, and all costs, ensuring you’re confident in securing your first home.

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Specialist first-time buyer mortgages

First-time buyer mortgages

Ready to buy your first home? This comprehensive guide simplifies every essential step, ensuring a clear and confident journey to your homeownership aspirations.

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What mortgage brokers do

While many paths exist, a mortgage broker offers expert support. They compare deals, explain all your options, and guide you seamlessly through every stage.

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Your salary & mortgage

A key discussion is how much you can borrow based on your salary. We help determine your maximum capacity and if it aligns with your desired amount.

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The application process

The mortgage journey begins with your first contact. While it may seem daunting, knowing what to expect makes this crucial initial step much more straightforward.

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Understanding mortgage deposits

How much deposit do I need?” is a common query. We provide clarity on how your circumstances affect the amount, guiding you to a solid financial start.

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How much could you borrow?

Find out how much you could borrow with our mortgage affordability calculator. It’s completely free, no credit checks required, and only takes a few minutes!

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How much could you borrow?

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Finding the right mortgage can be overwhelming, but our team of first-time buyer mortgage brokers are here to help. We offer tailored solutions for first-time buyers, remortgages, and investors, guiding you every step of the way.

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