First Time Buyers

In order to be approved for a mortgage you will need a good credit score. You can review this by registering with a credit reference agency and reviewing your score. Take time to understand how to improve the score. The better the score, the higher the chance to be approved for lending, and in many cases with a lower deposit. 

Book a free appointment with one of our qualified advisers today.

When purchasing your home, it's essential that you contribute towards the cost. You can use savings, or a gifted deposit from family. The reason is to ensure you are investing into your home and therefore have an interest in keeping up for mortgage repayments! The higher the deposit, the lower the interest rate you will be charged.

You will need to provide details of your income. If you are employed, you will need to access to your payslips. For self employed customers you will need to access tax returns or business accounts. All applications will need to have paperwork to verify the income in support of the lending. The sooner we have this information, the quicker you will receive your mortgage offer!