BUYING YOUR FIRST HOME

We will do everything possible to help you buy your first home. Our staff will talk you through every step, from choosing the right type of property to the mortgage and legal process.

Once you have found a property and an offer has been agreed, one of our dedicated Sales Progressors will call to introduce themselves. They will oversee your purchase and coordinate each stage. Don’t worry if it feels daunting, our Progressors are delightful people and will be on-hand to answer any questions you have.

MORTGAGE ADVICE IN EVERY BRANCH

A mortgage decision can't come quick enough if you're searching for your next home - that's why an independent mortgage adviser is available in all of our branches. They can quickly meet you in person, secure you a mortgage agreement principle during the appointment and confirm a purchasing budget that gives you confidence to start looking - all at no cost.

HELPING ALL BORROWERS

Our service is open to everyone, whether they are using our agency services or not. We're experienced in:-

• Low deposit mortgages - for those with 5% deposits
• Mortgages for self-employed and contract workers
• Lenders who welcome overtime, bonuses, maintenance payments and benefits
• Mortgages for buyers with unconventional circumstances or properties
• Home loans with low LTV (loan to value) ratios
• Mortgages with repayment terms in excess of 30 years

Our clients include:-

• First-time buyers
• Second steppers
• Downsizers
• Those wishing to free equity
• Investors - individuals and Ltd companies
• Those remortgaging

WHY USE AN INDEPENDENT MORTGAGE ADVISER?

1. Access to the whole mortgage market - apply for exclusive and online-only deals in addition to what your own bank or the High Street can offer, so you get the best rate and conditions available.

2. Quick appointments, quick decisions - ask us about same-day appointments and an agreement in principle by the end of the meeting.

3. Meet an adviser in person - refreshingly, talk to a mortgage expert face-to-face, rather than be directed to an impersonal call centre or frustrating online application.

Our independent mortgage advisers are our sellers' safety net. They qualify any potential purchasers, making sure they have a mortgage agreement in principle and checking their finances a purchase - a service not all agents provide. This deters time-wasters, shortens the selling process and strengthens chains.

We can also help sellers balance their books when it comes to their sale price, equity, moving costs and onwards plans. You can sit down and work through your budget with an independent finance professional without charge. 

If you decide to use an associated financial services provider, we may receive a referral fee. Please note, this will not add any additional costs to the fees quoted directly by the service provider.

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

MAKING BUYING SIMPLE

All our branches have an experienced residential sales and investment team. Please contact them and explain the type of property you are looking for and they will show you a selection of homes and organise your viewings. When you are ready, they will present your offer and liaise with the current owner.

You will also benefit from our in-house mortgage advisors, legal services and, once an offer is accepted, your own personal Sales Progressor - whose sole job is to keep your purchase on track.