Buying a house can often be a complex and confusing process and feel like a bit of an ordeal, whether you have been through the process before or not. If you’re a first time buyer it can feel even more daunting.
At Tom French and Associates we understand how stressful it can be and our independent advisers will take you through the entire process step by step.
They can help you set your budget for your first home and identify the level of deposit you will need. If you’ve already set your budget and found your prospective home they will help you identify what level of deposit you will need and whether you have saved enough.
Our advisers will take you through a step by step process to understand how much you can comfortably borrow and explain how your credit score will affect this.
They will explain how mortgages work and which ones are available to you as a first time buyer. They will ensure that you get the most appropriate mortgage for your requirements and circumstances. By using our advisers you will have access to mortgages that are not available to first time buyers via the high street or internet.
Our advisers will explain how best to protect you and your property against unforeseen circumstances that might otherwise result in you being unable to maintain your mortgage repayments. Through our independence our advisers will research and source the most appropriate protection products for you.
As with all our advice we will notify you of our charges up front and should these charges change we will notify you in writing.
Our mortgage advisers will manage your application from start to finish saving you time and simplifying the process. Please contact us to discuss your mortgage requirements and let us help you buy your first home.