It’s really exciting when you’re thinking about taking your first step on the property ladder, albeit sometimes a little confusing too.
That’s why we provide a dedicated mortgage adviser to hold your hand from start to finish.
Not only there to answer any concerns you have but in the background they’re examining the whole market of first time buyer mortgages so you can buy that home you’ve fallen in love with on the cheapest terms possible.
After we’ve provided the most competitive quote out there, we’ll need your permission to perform a credit check. Then, assuming there are no issues you’ll be granted a Decision in Principle certificate (often called Agreement in Principle or Mortgage in Principle) which confirms the exact amount you can borrow.
No estate agent will accept an offer on a property without a Decision in Principle certificate.
Once you’ve had an offer accepted all you need to do is provide the agent with your dedicated advisers’ contact details. In turn, we’ll get in touch with them directly on your behalf taking away any added stress.