We know all the ins and outs of the industry – everything that is involved in buying your first house and acquiring your first mortgage. It’s not as scary as you might think. We can hold your hand through the whole process; taking you from that first phone call to Finance Expert Ltd. right through to the day you get the keys to your first home.
It can be a very quick process and we have worked hard to make it as smooth as possible for you.
The first and most important step in the journey is for us to understand exactly what you want. This might include how much you are wanting to borrow for your first mortgage, the size of your deposit, your financial situation, if you have a bad credit score etc.
Now that we have all the facts, we can tap into our knowledge on the best situation for you. We’ll get in touch with a wide selection of mortgage lenders and gather a lot of quotes for you. This is one of the most time saving aspects for you, as you don’t need to attend endless meetings with banks to compare deals.
Once we’ve gathered a selection of quotes, we’ll let you know the 25 best deals but we’ll give you our recommendation on which one to choose. There’ll be lots of reasons why we advise on a ‘top’ deal, but ultimately, it’s all about you and making sure it’s the right choice for you.
Now that we’ve found out how much the bank will lend you, and we have organised a ‘Decision in Principle’, you are free to find your first home. This is one of the most exciting parts of becoming a homeowner, finding out what you like and what you don’t, so take your time and enjoy it.
Once you’ve found your dream home, we will take you through all the final steps to acquire it. This will include us returning to the bank with bank statements, proof of identity, your official offer etc.
Your application has been accepted, the solicitors have dealt with your formal offer – and you are now officially a homeowner! Congratulations!! You can pop open the champagne and enjoy your new home.
And that’s it! Are you ready to become a homeowner? Get in touch today and let’s find you your first mortgage!