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First Time Buyers

First Time Buyers

Buying your first home is a major undertaking, probably the biggest financial commitment you will ever make. And most people haven't a clue where to begin sorting out a first-time homebuyer loan.

There are literally thousands of mortgage deals to choose from but as a first-time buyer it also means that the mortgage market place is incredibly confusing.

We will help you through every aspect of the house buying process from arranging the finance and insurance through to finding you a solicitor for the conveyancing.

We have lenders that will offer generous income multiples and lend up to 125% of the property value, this may also be useful if you have existing credit card and loan commitments and they can be consolidated into the mortgage.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

The 125% schemes are available on fixed* and variable rates** of interest and are available to all categories of borrowers not just first time buyers. Ideal for debt consolidation and negative equity.

HIGHER LENDING CHARGES MAY APPLY.

*EARLY REPAYMENT CHARGES MAY APPLY- PLEASE ASK FOR A PERSONALISED ILLUSTRATION

**YOUR MONTHLY PAYMENT MAY FLUCTUATE IN LINE WITH ANY CHANGES IN THE BASE RATE. EARLY REDEMPTION PENALTIES MAY APPLY

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We normally do not charge a fee for mortgage advice however a fee paying option is available. Our typical fee is 1.5% of the loan to be arranged although the actual fee will depend upon your circumstances and may be lower. Think carefully before securing other debts against your home.Your home may be repossessed if you do not keep up repayments on your mortgage.

Professional Mortgage Services is an Appointed Representative of Personal Touch Financial Services Ltd, which is authorised and regulated by the Financial Services Authority (FSA).