First Time Buyers

7 steps to fast track your mortgage application

7 steps to secure a mortgage agreement in principle

The critical steps required in securing a mortgage agreement in principle: 1. Obtain a copy of your credit file: Your credit file is your financial CV. This is the first document a lender looks at before they make a decision to lend you money. Therefore, at least make sure it contains accurate information. You can obtain a copy of your credit file from Experian, Equifax, or Call Credit. It’s... »

bank of mum

Bank of Mum & Dad & cash back!!

The Family Building Society and Barclay’s have created niche products for first time buyers and the bank of mum and dad. Both lenders offer highly competitive 95% LTV products. Mortgage rates are more expensive once you exceed 75% LTV. But these lenders have created innovative products to mitigate the cost of lending. The Family Building Society has developed a product that enables first tim... »

Can I get a 100% mortgage?

Can I get a 100% mortgage?

The Family Springboard Mortgage enables first time buyers and home movers to get on the property ladder with 0% deposit. Barclays will lend you up to 90% of the property value (subject to your income and monthly expenses), provided you can get a family member, friend (helpers) to deposit 10% of the property’s value in an interest bearing account with the lender for a period of 3 years. The h... »

Shared Ownership

Part Rent to No Rent

The ideal scenario is to own your property outright. But if that’s not possible, then you need to seriously consider shared ownership. I attended the First Time Buyer Home Show at the Business Design Centre in London. It features all the major housing associations and developers showcasing their new build homes, and in visiting each of their stands, I kept on coming across one word: Resales.... »

How much can I borrow

How Much Can I Borrow?

How much can I borrow?   Lenders look at your monthly income and all your monthly expenses to get an estimate of how much you will have left at the end of the month to cover your mortgage. It’s all about affordability! As a rule of thumb and to ensure you have access to the widest choice of lenders, work on 4 times your income. You can stretch it to 4.5 times your income, but your panel of le... »

deposit

How a sandwich . can make you £20,000

What does buying a sandwich have to do with a first time buyer? Deposit. The number one challenge with first time buyers is the lack of a sufficient deposit. How a sandwich * can make you £20,000 At a property investment networking event, I happened to strike up a conversation with a young Swedish couple who were looking at ways to purchase their first property. The reason they attended the event ... »

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