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Mortgages for first-time buyers

Taking hurdles out of the way.

A helping hand onto the first rung

In a fast-changing world, we take comfort in the things that never change. So it’s easy to understand why so many of us still dream of owning our own home as that fast-changing world means it can seem harder than ever to get on the housing ladder.

Jobs and incomes don’t look like they used to

You might work freelance, or have a temporary contract. You might rely on bonuses, overtime or tax credits to top up your wages. You might have used a payday loan to help manage your money in the past.

There’s nothing unusual about any of these things, anymore. But some lenders aren’t keeping up with our changing lifestyles.

And that could make getting a mortgage harder than you realised.

Our common sense approach may help

You’re not just a credit score. So we look at the bigger picture, and get to know the person behind the numbers instead.

After all… if the sums show you can afford it, we think you should have it.

It sounds obvious when you put it that way. But it means we’ve helped lots of people buy their first home over the years, when others couldn’t.

If one or more of the below apply, get in touch:
  • You’re self-employed, or have a fixed-term or zero-hours contract.
  • You work several jobs.
  • You’ll be retirement age before paying off your mortgage.
  • The home you want to buy isn’t made of bricks and mortar.
  • You’re buying a flat more than six storeys up.
  • You want to buy with up to three other people.
  • You have little or no UK credit history.
  • Your credit history includes arrears, defaults or CCJs.

And these are only examples. There are many more circumstances where we can help.

At a glance
  • Borrow from £3,000 to £1,000,000.
  • 3- to 30-year terms.
  • Borrow up to 75% of the property’s value. (Maximum loan-to-value ratio may be reduced depending on the property and your credit profile).
  • Fixed rates available from 3.59%.
  • Variable rates from 6.37%.
  • Free standard valuation.
  • Interest-only repayment options available.
  • Maximum age: 80 years at end of term.
Overall cost for comparison

For example: A mortgage of £85,000 payable over 5 years initially on a fixed rate for 5 years at 7.12% and then on a tracker rate for the remaining 25 years at 6.12% above the Bank of England Base Rate would require 60 monthly payments of £600.99 and 300 monthly payments of £634.89 plus a redemption administration fee of £150.00.

The total amount payable would be £212,483.52 made up of the loan amount plus interest on the loan (£117,222.40), processing fee (£2,125.00) and arrangement fee (£2,125.00) plus interest on these fees (£5,861.12) and the redemption administration fee (£150.00).

The overall cost for comparison is 7.7% APRC representative. 

The actual rate available will depend upon your circumstances. Ask us for a personalised illustration.

Your home may be repossessed if you do not keep up repayments on your mortgage.