First Time Buyer Mortgage Advice
Here For Every Step Of Your First Time Buyer Journey
First time buyer rates
Help for first time buyers
First time buyer deposits
Whole Of Market
Getting The Right Help, First Time, Every Time
Working with our friendly team gives you access to honest, comprehensive and clear mortgage advice to make your first steps on the property ladder as simple and as smooth as possible.
Our team of professional mortgage experts have been supporting first time buyers since 2001 in Reading and the surrounding area and are well placed to offer advice on mortgages if you're looking to buy your first home.
We realise that buying a new home is a big decision for anyone. Our family-run business aims to remove the worry from the process by providing a thorough insight on mortgages and help make your first step onto the property ladder run as smooth as possible.
What Our Customer’s Say ...
Adrian helped us sort out a really complicated mortgage stiuation involving a Buy to Let and a second purchase. His service was thorough and detailed. We're grateful to him for his services taking away the stress from what was a terribly complex mortgage arrangement and delivering a great result.
Schemes Available to First Time Buyers
Help to Buy
The scheme offers a financial boost for those of you who can raise a 5% deposit.
This is only available on new-build properties and means if this sum is saved, the Government will offer an interest-free loan* worth up to 20% of the property’s value.
The remaining 75% is then repaid in the form of standard mortgage repayments. *this is currently interest free for the first five years but interest then becomes payable thereafter.
Right to Buy
This aims to support council tenants into property ownership.
If you have at least three consecutive years’ tenancy, then you may be entitled to buy your home at a significant discount.
Please consult with your mortgage adviser for full details and any other schemes which could help you purchase your first home.
This enables people to purchase a share between 25% and 75% of an existing or new home.
The property is typically purchased from a local housing association, then rent is charged for the percentage of the property not being purchased.
How Our Mortgage Services Help You
A mortgage is usually your biggest financial commitment, so it’s even more important that your first steps on the property ladder are successful. Our advisers can help assess your financial situation using the size of your deposit, your banking and credit history along with other financial information.
Once this has been reviewed and accepted, a mortgage will be granted by the lender. In most cases, a mortgage offer lasts for a period of between three and six months.
We Are Whole Of Market And Our Mortgage Providers Include
Frequently Asked Questions (FAQ's)
Need help with your first mortgage? Contact us today for a free consultation
Reading, Berkshire, RG31 5AW