Expert Mortgage Advice in Derby for First-Time Buyers
Through our experience as a Mortgage Broker in Derby, we have had a range of customers getting in touch, with a large portion of them being First Time Buyers who are looking at getting their home buying journey started.
With this in mind, we would like to provide reassurance for you, the First Time Buyer, that our caring mortgage advice team have extensive knowledge of various First Time Buyer mortgage scenarios. These have been known to include;
Mortgage Stress Control
When buying a house, there are many other things to consider. From preparing in advance for your bills to deciding on which furniture you like; the journey can become stressful before you have even factored in the mortgage. By getting in touch with us, you have one less thing to worry about.
Monitoring Your Costs
Every customer is unique when it comes to their financial commitments, with outgoings ranging from student loans, childcare costs to even car payments. Even if you have a good credit and monthly income, these can affect the amount a lender will allow you to borrow.
Our First Time Buyer Mortgage Advisors in Derby can provide an estimate on the amount you are able to borrow and potential monthly costs, throughout your free initial mortgage consultation.
Backing Up Your Offer
Have you found your dream property? Then it’s time to back up your offer with the assistance of an Agreement in Principle. The way this works is by factoring in your salary and your expenditure, the lender will agree to the maximum amount they would be willing to lend to you.
By providing your Agreement in Principle to your seller, it shows that you are a committed First Time Buyer and you are ready to proceed. Our fast and friendly mortgage process allows us to turn around an Agreement in Principle, typically within 24 hours of your first appointment.
Proceeding with Your Mortgage Application
Once you have had an offer accepted, then it’s time for the next step; your mortgage. For First Time Buyers in Derby, the following phase can be a little daunting.
Our benevolent mortgage advice team are determined to ensure you are stress-free and secure, remaining available to you 7 days a week to help process your mortgage application.
Seeking Help with Your Mortgage
In some cases, First Time Buyers might encounter mortgage hurdles. These have been known to include; no credit (regularly seen with young people), as well as poor credit due to the handling of your finances (going into overdrafts, history of gambling, missed payments).
We look at your personal circumstances to then match you with the appropriate lender for your needs. This is something we aim to get right first time.
Contact us to book your free mortgage consultation.
Why choose us for First Time Buyer Mortgage Advice in Derby?
Our experienced Mortgage Advisors in Derby love helping First Time Buyers. Right from your initial call through to getting the keys to your dream home, your dedicated Mortgage Advisor in Derby will be there to guide you throughout the whole process. We will be on hand and ready to help answer any questions that you may have that are lingering on your mind.
Unlike a high street Bank, we search through 1000s of mortgage deals that are on our panel to find the best one that suits your individual circumstances. If you like we can also help with putting offers forward to Estate Agents, conveyancing solicitors and help with deciding on what survey would be best so that your property is the best it can be when you move in.
Our Mortgage Advice in Derby team are available seven days a week, morning, evening and weekends. We’re here at a time that suits you and your family to get you on the right mortgage track.
We will take the stress away, manage all the paperwork and leave the exciting bits, such as getting the keys, up to you!
Please read our genuine customer reviews, the service you receive and your happiness during your time with us is really important to us.