First Time Buyer Mortgages Free Quotes

With just a few details from you we can search over 300 Secured Loans. As our valued customer you don’t have to shop around looking for the lowest rate, wasting your time and resources.

Talk to an experienced mortgage advisor. Their quotes are free and an answer can be given in minutes.

Simply complete our form. You will receive a call from a financial advisor, receive a free quote. No obligation - No credit Check

Submitting Details... Step 1 of 3 About your loan How much would you like to borrow? Over how many years?   Please select 1 year 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10 years 11 years 12 years 13 years 14 years 15 years 16 years 17 years 18 years 19 years 20 years 21 years 22 years 23 years 24 years 25 years   Purpose of loan? Current residential status? Please select Debt Consolidation Home Improvement Car Holiday Wedding Other   Please select Home Owner - With a mortgage Home Owner - No mortgage Private Tenant - Furnished Private Tenant - Unfurnished Living with parents Other   What is your monthly income? (including any benefits) Your employment status?   Please select Employed Self-employed Unemployed Home-maker Student Retired Other   Proceed to step 2.   Step 2 of 3 About your loan You qualify for two types of loan. Select either: Homeowner Loan Is secured on your home. Rates depend on your circumstances; usually lower than an unsecured loan and often more flexible. Unsecured Loan Not secured on your home. May not qualify you for the best rates. Applying to a number of lenders may affect your credit score.   Estimated value of your property?   Your current mortgage balance?       Where will you buy your car? Please select A Dealer Private Sale I'm Undecided   What is the total value of money you owe to companies?   Do you owe money to 3 or more companies?     Yes No   What is your monthly rent/mortgage payment?   Your living arrangements?     Please select Single Living with Partner Single & 1 Child Single & 2 Children Single & 3 Children Single & 4+ Children With Partner & 1 Child With Partner & 2 Children With Partner & 3 Children With Partner & 4+ Children   Your date of birth?   Do you have adverse credit? (if yes, we can still help) -- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 -- January February March April May June July August September October November December ---- 1991 1990 1989 1988 1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 1975 1974 1973 1972 1971 1970 1969 1968 1967 1966 1965 1964 1963 1962 1961 1960 1959 1958 1957 1956 1955 1954 1953 1952 1951 1950 1949 1948 1947 1946 1945 1944 1943 1942 1941 1940     Yes No   Proceed to step 3.   Step 2 of 3 About your loan Based on your information we recommend you speak to a personal debt adviser. They will offer you advice on: Whether a loan is your best option Consolidating your debts Reducing the amount you owe How to freeze your interest payments Protecting you from creditors Proceed to step 3.   Step 3 of 3 Your details First name: Last name:     Phone number: Alternate phone number:     E-mail address:   First line of current address: Current postcode:     Based on your requirements we have selected the FSA regulated broker Broker Name to help you with your enquiry. Please click SUBMIT to confirm that you are happy for them to contact you by telephone/e-mail. Finished Thank you for your enquiry. Your adviser will be in touch with you shortly.

First Time Buyers Mortgages Advice; How to Buy a House

For first time buyers the mortgage market is a maze of confusing terms and jargon. But after you consider that the rent that you pay is really not benefiting you at all, apart from putting a roof over your head you may as well flush it down the loo. Having a property of your own can only serve to benefit you in the future, you have an investment for the future ,one that will increase in value, one that can be passed on to family making their lives easier.
The Amount available to borrow

How much a consumer can borrow the money, that is totally depend on their income?
Lenders have different combinations to work out how much you can borrow, it varies, some use an equal percentage of both you and your partner’s wage. Some will calculate it using a larger percentage of the highest income, and a lower percentage of lowest income. The fact that house prices can rise quickly means that you should get your foot on the ladder ASAP, or you could find that the first rung has risen out of your reach.

It is always beneficial to have the largest down payment you can manage to save toward the properties value. A down payment does not cost you interest. Most lenders prefer to lend you a percentage of the value of a property rather than 100%, that way should you not keep up repayments they can take procession of the property and sell it for a profit. A lender is legally within their rights to repossess your home if you continuously fail to make monthly payment.

There is no obligation to accept the loan we find you. And you can cancel at any stage right up until completion with no cost to you.

We've taken away some fees :

so you can have more money in your pocket. We've fixed our rates too, so that you can have long-term peace of mind.

So whether you're remortgaging, moving house or buying for the first time, we can help you do it simply, quickly and securely.