First time buyers
Taking your first step onto the property ladder is an exciting prospect for first time buyers, but knowing where to start and what it all means can be overwhelming at times.
I am here to guide you through the process from start to finish and explain it all in simple terms and make it as straightforward as possible for you.
I will give you advice on the property purchase process, speak to the estate agents, help you with negotiating and email them the agreement in principle to confirm you are eligible for a mortgage. If you need an agreement in principle urgently, I can do this on the same day for you.
I understand that you may view properties outside of normal office hours and need to contact me for assistance, and so I make myself available whenever you need me.
I aim to complete your purchase as quickly and smoothly as possible. I will look after you through the entire process and explain the next steps along the way so that you understand what is happening at each stage. I will keep in contact with you, the solicitors and the estate agents to make sure the sale progresses as quickly as possible.
I am also happy to help you complete your solicitor’s paperwork certify your identification and proof of address. If you do not have a solicitor, I can recommend one for you.
I work with local new build developers and am very experienced with the Help to Buy scheme for first time purchases. I can help you by completing the Help to Buy application and keeping the developers and sales agents updated at every stage so that you can exchange within the 28 day timeframe.
There are several schemes available to first time buyers to help you buy their first home. I can discuss these different options with you:-
Help to Buy or Lifetime ISA
Help to Buy Equity Loan
Shared Ownership Scheme
5% Deposit Mortgage
Please get in touch with me if you would like to discuss your options or have any questions about mortgages and I will be more than happy to help.