First Time Buyer

buy your own home

As a first time buyer we want you to understand, enjoy and feel included in the process of buying your very own first home.  This is why we look after the process for you, but with you, from start to finish.  All the worries of who to speak to, which documents you need to send and what happens next is taken care of by us.

We will work closely with you and involve you in every step of the process.  We will take the stress away, leaving you to enjoy the fun bits!

To give you an idea how we work, we've mapped out how the process works as a first time buyer.  Our entire aim is to get you the home of your dreams.

Your first step to owning your own home

Lets chat and get to know each other a little.  Ask us questions, and start to know that we've got you covered.

Welcome Guide

We'll send you a copy of our Welcome Guide which includes information and facts about the home buying process and what is important to be aware of at these early stages.

Fact Finding

Lets meet and have a coffee whether thats face to face, by telephone or a video call.  The objective is to truly understand your needs and priorities now and into the future

Research Time

We now go and look for the most appropriate lender/product from the whole of the market.  We will provide you with tailored advice to your priorities & your affordability calculation.  Our research and findings will give you understanding of your maximum borrowing amount, which will be useful when you start looking for your dream home.

Presentation

This is where we get together again for a short meeting so we can fully explain our findings being the most appropriate lender, product and why.  We will go through any fees payable during the process and of course, all the typical monthly repayments now and into the future.  You can ask as many questions as you like, questions are good and if you want a friend or family member present with you, thats fine with us too.

Lets do this

You've decided you'd like to proceed with my recommendation we've worked through together, that's great.  What we need now is to give you a shopping list so we can begin part of the application process on your behalf.  We'll be asking for documents such as your payslips, bank statements, proof of ID and probably a few more!  Again, any questions whatsoever, just let us know.

It's time to shop!

This is a very exciting step and where your dreams come true.  We have obtained the Agreement in Principle for you which means you have a certificate to show Estate Agents proving you are in a strong financial position to view and offer on properties.  Your dream home is within touching distance, it's getting real!

OFFER ACCEPTED!

The offer you placed on your dream home has been accepted, this is a huge step!

As we have already done all the background work together, all the necessary information is ready to go to proceed with your full mortgage application.  There is nothing more we can do with your application now other than wait!

Whilst your application is progressing we will provide ongoing support with your mortgage application through to the exchange of contracts and completion which is the day you get the keys to your home.

Nearly there...

Ongoing support with your mortgage application through to you exchanging contract and completing on the mortgage (KEY DAY)!  We will regularly monitor the progress of your application and liaise with Solicitors, Lenders, Estate Agents and completely keep you in the loop throughout

Protection Review

Whilst your mortgage application is progressing it is time to make sure you are aware of the importance of protecting you and your property for future events. We can run through a full review of any existing cover you may have already in place with employer benefits and any current policies, looking at any shortfalls and what’s important to you to address so you do not risk losing your home!

Your a home owner!

Congratulations! You've done it, you are now a home owner.  You have the keys to your very first home and you're ready to move in.

It's time to enjoy your own space, make it your own and celebrate with friends and family.

Please send us lots of photos!

General Mortgages

Fee: £499

We provide a highly personalised service that is second to none and includes:

    • Dedicating the time to extensively research the market from our network of mortgage companies to find a solution that works best for you and your pocket
    • Providing full administrative support to make the process as smooth, seamless and enjoyable as possible
    • Arranging a decision in principle from the mortgage provider
    • Completing the full mortgage application paperwork on your behalf
    • Providing any further documentation required from the lender with no time delays
    • Chasing solicitors, estate agents and lenders on your behalf
    • Keeping you updated every step of the way
    • Responding to all your enquiries and questions within one working day of receiving correspondence
    • We will not charge our professional fee until the mortgage is fully approved and a formal offer is issued

Sarah

She couldn’t of been more helpful and went above and beyond for me and made it possible for me and my children to get our perfect home. Would 1000% recommend great price and amazing advice thank you so much.

Ben

I got my mortgage for my first house through Lisa. She made the whole process really easy and stress free. She also sorted out my life insurance and personal protection insurance so all three were done at the same time. I would highly recommend Lisa to anyone.  Thank you!

Jessica

Lisa was so helpful to secure us our first mortgage. Despite us having multiple issues due to furlough and other advisors just responding with ‘no sorry can’t help’ Lisa was determined to not give up until she found us a lender. She didn’t only find us a lender with a fantastic rate we also secured a £1k cashback offer too! As first-time buyers we had no idea what we were doing but Lisa helped answer every single question even if it was asked multiple times. Once completed we received a lovely welcome gift in the post to top off the fab service we received. Would highly recommend to anyone!  Thanks Lisa

Jack

As first-time buyers there was so much to learn and take in. Lisa took us through each step and explained the process, ensuring that we understood everything. We are so grateful and happy for the outstanding service that Lisa provided. She was very professional and supportive throughout. All future services will be done through Lisa. We cannot recommend her enough.

Your Handy Checklist!

We want to make sure that you're fully informed throughout the process of buying a house and moving home.

For this very reason we have put together a checklist for you to use download and keep by your side for help and advice.

Don't forget we are always here to answer any questions you may have, just get in touch if you need us.

How can we help you?

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