first time buyer Mortgage guides

Looking for your first time buyer mortgage ? When you decide to buy your first home it should be an exciting time. But, sometimes there’s so much to think about that it can be quite daunting. For example: there’s thinking about what area you want to live in, knowing what type of property to look for, and even having to find a solicitor.

On top of all that, there’s sifting through hundreds of first-time buyer mortgages, which can be quite scary. Particularly if you’re not sure about what to do and in what order to do it. Just as well we have an array of first time buyer guides to help.

First Time Buyers and Mortgage Advice are a skill we've developed at MDFS
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Online Mortgage Advice

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Now you can book online mortgage advice appointments, with a qualified fees free mortgage broker, 24 hours a day 7 days a week.

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fixed rate period your payments will remain the same

Fixed Rate Mortgage

During the fixed rate period your payments will remain the same. Whatever happens to interest rates during this time, whether they go up or down, your payments will not change. This can be a great help when it comes to budgeting. It also provides valuable peace of mind, that you won’t suddenly see your payments increase if interest rates go up.

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Buy and sell a home

Wondering how long it takes to buy or sell a house through an estate agent? Not sure what questions to ask when viewing a property? This guide explains what estate agents do, what fees they might charge and looks at other ways to buy and sell property, including online.

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*first time buyer*

First Time Buyers are classified by most mortgage lenders as those who have either:

  1. Never owned a property or
  2. People who have owned a property in the past, but not owned one for six months or more.

For each lender, the rules and ideas about this differ. There usually are no issues in being a First Time Buyer. To qualify for stamp duty relief, First Time Buyers must have never been property owners in any location in the world previously.

The mortgaging process might appear to be challenging, but this isn’t necessarily so. Buying your first home can be exciting, so if you come across a suitable broker who can handle the process for you at a fair price, do take advantage of their expertise. The purpose of using one is straightforward enough. After all, if you don’t know a thing about cars and yours breaks down, you would rather call a mechanic than fix it yourself. The same applies to mortgages. With mortgage brokers, you can cut down on money, effort and time, so you should use one. You won’t have to pay for the initial consultation.

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LEGAL STUFF

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

Massey Divall Financial Services are an appointed representative of The Right Mortgage Limited which is authorised and regulated by the Financial Conduct Authority.

The Financial Conduct Authority does not regulate most buy to let mortgages.

The guidance and /or advice contained within this website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK

Conveyancing isn’t regulated by the Financial Conduct Authority.

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