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Buying a house as a first time can be daunting. How do you know how the process works when you don’t have any experience?

I was employed as a broker for 10 years sitting in estate agency. I can help from the minute we speak, all the way through to completion.

The first thing we need to know is how much you can borrow. I will go through a simple fact find with you to enable me to confirm what your maximum budget is. Then, just as importantly, we need to understand how much you can afford to pay each month. I will go through all your different options with what type of mortgage is best suited to you (fixed/tracker) including what term is most suitable. Once we know these two things we can go to a lender and get that agreed in principle. It then means you can provide the certificate to estate agents when viewing to show you have been financially qualified.

I can then help give advice on the property and also what to look at when offering.

First Time Buyers

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When moving, affordability and the costs of moving are key.

First, I need to look at how much equity you would have after the sale. Then, once I’ve accounted for the costs involved in buying, I can see what your true remaining equity would be. If you have any additional funds to contribute, we can combine everything to understand what your total deposit would look like.

I would look at whether transferring your existing mortgage to the new property (porting) would be beneficial. Alternatively, I would look to see if starting afresh with a new lender that could potentially increase your borrowing or offer more competitive rates would be more beneficial. I would review all available options with you, and once we’ve established your maximum borrowing and identified the right route forward, you can then confidently move ahead with putting your property on the market.

I would be there every step of the way to ensure the numbers worked and offer advice on all properties you were looking at.

Moving Home

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Making sure you have as many options and time to explore those options is the key strategy.

I would book you in 6 and half months early to have our first chat and review your options. Mortgage offers last 6 months. I would book you in to apply as soon as you were able to so it gives you as many options as possible. If rates came down, we swap you to the lower rates, if rates went up, it means you were able to obtain the most suitable deal as soon as you could.

Sometimes staying with your same lender is the best option. Most lenders have a window to review what they will offer you 3 months before your deal expires. All options will be looked at throughout the process to ensure you have the best possible deal.

Remortgages

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The only type of insurance the lenders can make you have is buildings insurance when buying a house. I have access to a panel of providers that I can provide you with competitive quotes. There are plenty of different options on how you can protect yourself and your family. It requires expert and bespoke advice to ensure you are protected in the correct way. Protection has always been extremely important to me and something I am very passionate about. I pride myself on giving bespoke advice for every client. Some of the different options available are:
Decreasing Term Assurance – The amount you insure decreases a similar level to your mortgage. It does this to ensure that if you were to die or get a terminal illness (A doctor advises you have less than 12 months to live), it will pay out clearing the remaining mortgage value.

Level Term Assurance – The amount you insure does not change throught out the term of the policy. This means you are guaranteed to get the value of policy on death or terminal illness.

Specified Critical Illness – This pays out a lump sum on diagnosis of a serious illness. Some examples of what it can be used for are: to pay for treatment, additional expenses incurred as part of your diagnosis, or to pay your regular financial commitments if you were off work. The policy may not cover all definitions of a critical illness. For definitions of illnesses covered please refer to the Key Features and Policy Documents.

Income Protection – This pays out a monthly amount if you were unable to work due illness or injury. It is designed to cover your living expenses to enable you to maintain outgoings and lifestyle if you are not working.

Insurance/Protection

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Whether you are a BTL portfolio landlord, looking to get your first buy to let property or in a position where you want to keep your current property and let it out and then buy on, it is vitally important you get the right advice.

Non regulated Buy-to-let (BTL) mortgages are generally not regulated by the Financial Conduct Authority (FCA) because they are considered business transactions rather than consumer transactions. This means that most BTL mortgages do not fall under the FCA's consumer regulations, which aim to protect the general public.

A consumer buy-to-let mortgage is specifically intended for individuals who become landlords unintentionally, often due to circumstances such as inheriting a property or needing to rent out their previous home. Unlike traditional buy-to-let mortgages, which are aimed at professional landlords, CBTL mortgages are regulated by the Financial Conduct Authority (FCA), providing additional consumer protections.

Ltd Company BTL’s –The most important thing is that the Ltd company is set up for the purpose of buying and renting properties. It must have the right SIC codes and have no other purpose. It is important you get tax advice from a tax specialist before you set up the company to ensure it is the right option for you.

BTL/Let to Buy/Ltd Co BTL

DISCLAIMER

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
 
This firm does not charge a fee for mortgage advice.
 
Wrigley Mortgage Services, a trading style of Wrigley Mortgage Services Ltd is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.

Wrigley Mortgage Services Ltd is registered in England and Wales with company number 16833723. Registered Office: Brook House, Mint Street, Godalming, England, GU7 1HE