First-Time Buyer Mortgages

It’s time for your first house purchase!

First time buyer mortgages

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Getting your first mortgage can be stressful…but it doesn’t need to be. At In Tune Financial we’ll be with you every step of the way to help guide you through the process whilst giving you expert advice when you need it most.

What can I borrow?

So you’ve decided you want to buy your first home but aren’t sure where to start? We will let you know how much you can borrow based on your unique circumstances and this will give you a great foundation to build from. Since what you can borrow may differ from lender to lender, speaking to our expert advisers at In Tune Financial will put you in the best position to maximise your buying capability. Give us a quick call or email and our specialist advisers will be able to walk you through the process of working out your affordability so you know exactly which properties you should be viewing.

We will also arrange an Agreement in Principle (AIP) for you. This is a provisional acceptance with a specific lender and will give you the confidence to make an offer when you identify a property you love. It is a great way to make your offer more appealing, as you’ll be able to negotiate knowing that you’ve already secured all necessary financing from an institution, which means there is less risk for the seller in accepting your offer.

Do I need a deposit?

This question is probably the most frequently asked by first-time buyers and for good reason. The good news is that most lenders will accept a 10% or maybe even a 5% deposit depending on circumstances. Therefore, if you’re a first-time buyer, it could be easier to get onto the property ladder than you first thought. There are other schemes that may be available to you, which could offer an option of buying a property without you putting down a deposit, but we would recommend giving us a quick call or email and our specialist advisers will be able to walk you through your options.

Finding that dream first home!

You’ve viewed what seems like hundreds of properties but you’ve finally found the ideal home. With our help you will know you can afford it and that In Tune Financial will be with you every step of the way! It’s now time to make an offer.

 

  • Get in touch and we will complete a brief fact-find to help us understand your needs.
  • We will provide an Agreement in Principle so you can search with confidence.
  • We research the market and present you with your most suitable option.
  • We submit the application and manage it through to completion.

 

That’s it. Simple. Straightforward. With your best interests at heart!

 

Your home may be repossessed if you do not keep up repayments on your mortgage
The Financial Conduct Authority does not regulate most Buy to Let Mortgages

Getting your first mortgage can be stressful…but it doesn’t need to be. At In Tune Financial we’ll be with you every step of the way to help guide you through the process whilst giving you expert advice when you need it most.

What can I borrow?

So you’ve decided you want to buy your first home but aren’t sure where to start? We will let you know how much you can borrow based on your unique circumstances and this will give you a great foundation to build from. Since what you can borrow may differ from lender to lender, speaking to our expert advisers at In Tune Financial will put you in the best position to maximise your buying capability. Give us a quick call or email and our specialist advisers will be able to walk you through the process of working out your affordability so you know exactly which properties you should be viewing.

We will also arrange an Agreement in Principle (AIP) for you. This is a provisional acceptance with a specific lender and will give you the confidence to make an offer when you identify a property you love. It is a great way to make your offer more appealing, as you’ll be able to negotiate knowing that you’ve already secured all necessary financing from an institution, which means there is less risk for the seller in accepting your offer.

Do I need a deposit?

This question is probably the most frequently asked by first-time buyers and for good reason. The good news is that most lenders will accept a 10% or maybe even a 5% deposit depending on circumstances. Therefore, if you’re a first-time buyer, it could be easier to get onto the property ladder than you first thought. There are other schemes that may be available to you, which could offer an option of buying a property without you putting down a deposit, but we would recommend giving us a quick call or email and our specialist advisers will be able to walk you through your options.

Finding that dream first home!

You’ve viewed what seems like hundreds of properties but you’ve finally found the ideal home. With our help you will know you can afford it and that In Tune Financial will be with you every step of the way! It’s now time to make an offer.

 

  • Get in touch and we will complete a brief fact-find to help us understand your needs.
  • We will provide an Agreement in Principle so you can search with confidence.
  • We research the market and present you with your most suitable option.
  • We submit the application and manage it through to completion.

 

That’s it. Simple. Straightforward. With your best interests at heart!

Your home may be repossessed if you do not keep up repayments on your mortgage
The Financial Conduct Authority does not regulate most Buy to Let Mortgages

Enquire Now


Talk To Our Expert Team

We know how important it is to get your questions answered and we’d like nothing more than providing you with the right answers. If there’s anything in particular on mind, just ask away!