First Time Buyers

A REFRESHING new homes WAY TO LOOK AT MORTGAGES

MAKING MORTGAGES SIMPLE

If you’re thinking of buying a home for the first time, this will be a very exciting time in your life and we are here to help you every step of the way. We’ve helped thousands of first time buyers get their first mortgage and move into their first home quickly.

You may have heard a lot of stories about how difficult it is to get a mortgage. Well the good news is that we are here to help you and make buying your home as easy as possible.

We will quickly check your options and research the best deals for you. You will have a friendly point of contact to help you through all the decisions along the way. It doesn’t have to be complicated if you get the right advice at the start

We’ll quickly tell you:

  • If you can get a mortgage
  • How much you could borrow
  • What purchase price you should look at
  • What help to buy schemes are available
  • How much deposit is needed
  • How much you are likely to pay

NEW BUILD HOUSES ARE DIFFERENT!

If you are thinking of buying a new build home, then the process is different to buying a house that someone has previously owned or lived in.

House builders sometimes have special incentives and these are great deals – but you must use a lender who will accept them.

Help to Buy schemes on new build houses are a fantastic Government backed scheme.
If you use the help to buy scheme to purchase your new build property your mortgage adviser will also help complete all the paperwork for your Help to Buy application.

Special exclusive mortgage deals are available for specific builders and we have access to all of those deals.

We are experts in arranging new build mortgages and understand the benefits that they can provide to you. However many lenders do not accept some of these great deals so for example if you chose to use the help to buy product you will find that lots of lenders do not provide mortgages for this scheme. Or for example if your builder were to offer to pay your solicitors fees as a special incentive you would not want to discover just before completion that the lender will not allow them to do so.

CHOICES, CHOICES!

A mortgage is a long term commitment and there are lots of different products available, so it is important you get the right solution for you. If you choose the wrong mortgage for your personal situation, you could end up paying out extra money either in fees, or higher monthly payments, which you could have avoided. That is why you need to speak to one of our advisers.

So whether its Fixed or tracker mortgage products, short term 2 year or longer term 5 year deals, or would a 25 year mortgage term suit you better than a 30 year term, we will talk you through all your options in a clear manner so the choice is yours.

We can guide you through the best deals quickly and explain what they can do for you. Once we have a clear understanding of what you require we can recommend the best package for you!

AND THE SERVICE DOESN’T STOP WITH THE ADVICE!

If you take a mortgage with New Homes you will have one customer liaison manager who will be your personal guide and will liaise with your builder, the lender and your solicitor on your behalf and keep you updated throughout the process.

We look after you all the way to your move in day!

All this service is paid for by your £99 mortgage processing fee, and once we have arranged one mortgage for you then all future mortgages you take with New Homes are free. It’s no wonder our clients return to us when they decide to move home or remortgage in the future.

We will not charge you a fee for arranging your mortgage and we will be paid commission by the lender.

Your property may be repossessed if you do not keep up repayments on your mortgage.
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Everything you need to know: 01543 464144

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Give us a call today or request a call back below, one 15 minute conversation is all it takes to provide everything you need to know about the best mortgage option for you.

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