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First Time Buyer Mortgage Advice in Harrogate

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The very concept of buying your first home can be quite daunting but worry not; Your Mortgage Broker in Harrogate is here to save the day!

 

We love our customers and aim to make the whole experience as simple and stress-free as possible, especially when they’ve never done it before. The last thing you need is to feel anxious about the whole ordeal, so we work alongside you, being friendly and reducing worry.

 

How does it work?Get a quote nowMeet your advisor

We search 1000s of mortgage deals across a large number of lenders, including:

First Time Buyer Mortgage Advice in Harrogate

As an expert Mortgage Broker in Harrogate, we have helped many First Time Buyers in Harrogate onto the property ladder, and there is rarely a situation that we have not come across. Below are some popular First Time Buyer scenarios:

 

  • Curious of how much you can afford or what costs will be.
  • Wanting to make an offer on a dream home, but need assistance in doing this.
  • The purchase offer has been accepted and you’re in need of a mortgage application.
  • Ready for a Mortgage Agreement in Principle.
  • Bank won’t budge and you’re wondering what else you can do.

 

Contact us to book your free mortgage consultation.

Why choose us for First Time Buyer Mortgage Advice in Harrogate?

Our brilliant team of Mortgage Advisors in Harrogate are available every day of the week from 8 AM until 10 PM. Can’t do those times? Some of our advisors may even be able to work later in order to help you achieve your dream.

 

Concerned about your situation? We’re able to search through thousands of deals, so chances are there’s something out there for you – Don’t worry, we’ve got your back on this!

 

We are always here for you, with no ties to banks, estate agents or building societies. Everything we do is in your best interests. Our advisors and admin staff will keep up their communication with you, avoiding jargon to make it as simple as possible for you.

 

The last thing you need as a First-Time Buyer is to be stressed out, so our team are always on hand to reassure you when things get overwhelming.

What our customers say

Common mortgage
questions

Your free mortgage consultation in Harrogate will last round about one hour. We will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether or not you wish to proceed with the mortgage.

As your Mortgage Broker in Harrogate, we carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for you. A credit check is then required for an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, a formal mortgage offer can be issued.

To avoid possible disappointment, we recommend you obtain an Agreement in Principle before you begin viewing properties in Harrogate. At the very latest you should obtain one prior to making an offer to assist your bargaining position.

An Agreement in Principle typically lasts for between 30 and 90 days depending on the lender used. If your Agreement in Principle expires it can always be refreshed.

It may be possible to get a second mortgage on your home for things like debt consolidation or Home Improvements. It may also be possible to take out a mortgage on a second property if you’re wanting to use it for yourself, a family member, a holiday home or a Buy to Let.

The minimum deposit when purchasing a house in Harrogate with High Street Lenders is typically 5%. This can be higher if you have had previous credit problems.

If you have had credit problems you can still get a mortgage but you may possibly be required to put down a higher deposit than usual, perhaps 15% of the property purchase price.

Once you have submitted at least one year’s accounts, you are able to get a mortgage. Most Lenders use your salary plus dividend to calculate the maximum mortgage, whereas others are known to go off your net profit.

It’s usually three payslips for an employee to prove income and the latest 2 years’ accounts for self-employed. You will also need to produce proof of ID, address and 3 months’ bank statements.

Our free consultation typically lasts up to an hour or so. We can turn round an agreement in principle within 24 hours. A formal mortgage offer takes about three weeks on average.

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We make it so easy!
Our 4 step process

Step 1

A telephone test call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

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UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
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