Are you thinking of buying your first home but don’t know where to start, or thinking about buying a house, but are not sure if you have a big enough deposit or a large enough income?
Our Advisers will talk to you about what to look for in a house or a flat and take you through the house buying process every step of the way. We will go through the types of property ownership that are available to you, the costs, the different types of mortgage and how a mortgage works. We will explain the role of the solicitors, estate agents and surveyors and help you find a solicitor.
There are 4 key actions you can take as soon as you start thinking about buying to help you get the house you want:
- Save – It will help if you can save as much as possible as you will need a cash deposit to add to the mortgage. The bigger the deposit the cheaper the mortgage payments.
- Debts and Loans – Clear as many debts as you can. Reduce your store cards if you have any and make sure your bills are up to date.
- Make sure you are on the electoral roll.
- If you are self-employed you will need to plan well in advance. Lenders will need at least the latest 2 years accounts.
Speak to one of our Advisers for an initial consultation without any obligation on 01747 855554 or email us.