First Time Buyer Advice
Let us give you our expert first time buyer advice. We understand that buying a house is one of the most important purchases you will ever make, especially for the first time. It can be a very daunting experience but our advisers can guide you through the mortgage maze and find you the best deal available for your circumstances.
In the current economic climate, you will probably need at least a 5% deposit towards the mortgage before a lender will consider you.
What happens when I want to apply for a mortgage?
When you apply for a mortgage, lenders look at a number of things to work out how much you can borrow including your earnings & outgoings; the value of the property you want to buy, along with your deposit and as well as your credit history.
Our advisers will help you do the sums by completing a budget planner, so you will need to give us as much detail as you can about your finances.
If you would like any further information, contact one of our mortgage advisers today, you can ‘meet our team’ virtually by clicking the button below.
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At YFC our advisers are industry leading in their knowledge of first time buyers. Furthermore, they were all once first time buyers too, so they understand how daunting and intimidating the process can be none the less. On top of that, our flexibility means we can work with you, whenever suits you – browse our brokers by pressing ‘meet the team’.
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For further information, or if you would like to discuss your requirements, please fill out the contact form. A member of our team will contact you as soon as possible.
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The YFC Group is a trading style of Yorkshire Financial Consultancy Limited which is is an Appointed Representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of First Complete Limited which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products.
In general, Buy to Let mortgages are not regulated by the Financial Conduct Authority.
Your property may be repossessed if you do not keep up repayments on your mortgage.
A mortgage fee payable is dependent on the complexity of the case and will be agreed at the outset. A fee of up to 1% of the loan amount is payable, for example on a £100,000 mortgage a 1% fee would equate to £1,000. A typical fee is £299 and is payable at the outset or on the issue of an offer of the mortgage.