First-Time Buyers

Buying your first home can be an exciting and emotional experience, Mortgagemove will ensure it’s not a disappointing one. We help you secure an Agreement in Principle (AIP), giving you credibility and confidence to offer when the right property becomes available.

Call today on 0333 005 0333 for a 15 minute assessment of your needs.

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Are you a first-time buyer looking for the best mortgage deal?

At Mortgagemove, we search so you can save. We understand that sourcing your first mortgage can be a daunting process, so with a 15 minute discovery call, we can quickly ascertain your needs and start looking for the best mortgage offers suited to your needs. Get in touch today.

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What are your mortgage options as a first-time buyer?

As a first-time buyer, you have access to the full range of mortgages on the market, plus exclusive first-time buyers deals and government schemes such as Shared Ownership.

With Shared Ownership, first-time buyers can buy between 25% and 75% of a property’s value – either using a mortgage or savings – and pay rent on the remaining share. They then have the option of buying a larger share when they can afford it.

Mortgagemove can assist any first-time buyer looking to purchase a home through Shared Ownership.

Key considerations when buying your first home

You need to know how much you can borrow, and that means applying for an Agreement in Principle (AIP). Do this before you have your heart set on a property to avoid missing out. An AIP isn’t a guaranteed mortgage – the final offer will depend on more stringent financial checking – but it’s an indication of how much you have to spend on a property.

Make sure you have enough money behind you to cover the costs attached to buying a property. You’ll need money for:

a deposit; the more you can put down, the less you need to borrow (this can make it easier and cheaper to get a mortgage).
additional costs like surveys and legal fees.
appropriate mortgage protection cover.
home and contents insurance.
stamp duty if over £425,000.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR MORTGAGE REPAYMENTS.

How Mortgagemove can help

When you’re looking to apply for your first mortgage, we will arm you with knowledge of the process and provide you with that all-important AIP. We understand the needs of individual customers and have access to a wide network of mortgage products and providers, including deals that are not available on the high street.

We will manage the entire mortgage process for you, and at times we can even deal with estate agents, offers and solicitors on your behalf.

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