first time home buyers

• First select the area of your choice
• Be very specific with what you want
• You can consider various factors like closeness to healthcare facilities, availability of good transportation system, closeness to schools, shopping malls etc.
• You must be specific with what you want
• Decide on the type of house you want. It could be a house or a flat. Be specific with requirements like number of bedrooms and other things so your estate agent can find you something suitable as fast as possible.
• Reach out to as many estate agents as possible in the location you want.
• Tell the estate agents to send you suitable properties that they have as regular as possible.
• Record every property that you visit.
• You might visit a lot of properties in just a little time. It is essential that you record all the good and bad things about them to ensure that they meet your needs.
• Ensure you are very close with at least one estate agent.
• You can call once a week to confirm your interest in the house so they will know how serious that you are. This way, they will ensure that you are one of the first to get a look at any new property that they have.
• Keep in mind that there are a lot of people that might be looking for the same kind of house you are looking for.
• If possible, you can pay the asking price right up to avoid a bidding war.

• Don’t forget to consider any extra cost.
• Apart from the mortgage payments you mustn’t forget to consider expenses like Council Tax, maintenance bills, utility bills, property bills and other renovation work.
• Don’t be inflexible. You must be prepared to trade off one property for another one. You might need to knock off one factor for another one as you may not find exactly what you want.
• Don’t keep a short-term view. Look at things on the long run.
• Don’t buy a home because of your friends or your job. Your friends could move away and you might get another job.
• Do not forget to consider your family when making a choice. Ensure the area has good schools for your kids. Ensure there is a lot of room for your family and make sure that the area is safe.
• Do not offer the asking price immediately. A lot of sellers increase their prices by more than what they will sell normally. You can offer 90% of their asking price especially if you will need to carry out any redecoration or repair work on the property.
• Do not assume that any offer is permanent. People can renege on offers if they get a better offer. An acceptance of your offer is not legally binding until the seller and you exchange contracts. Gazumping might occur. This is when a seller accepts an offer and then take another bid that is higher.

After the vendor has accepted your offer, you can return to your dedicated consultant to discuss the mortgage product and repayment type in details. 

This process is quite intricate and a lot of information will be required so that your financial objectives and circumstances can be well assessed as well as how capable you are of supporting the loan.

 We’ll help you search the market meticulously and examine a large number of products in order to select the best one available for you.

· We save you the stress

We have a team of highly trained professionals that will work with you every point in time to make the mortgage process very easy for you thereby saving you a lot of energy and time on one of the biggest financial decisions you will make in your lifetime.

· We are an independent organization

Your options will be seriously limited if you go to an estate agent or a bank and you might get a bad deal. We have access to hundreds of products in the mortgage market and we can find the perfect product that will match your needs.

· We will save you a lot of money by selecting the best mortgage and negotiating rates on your behalf.