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Please note that owing to the credit crunch it is unlikely that you will be able to get this type of mortgage. Please treat the information below as historic which we are leaving online simply for your information. You can see what type of mortgage you could get by contacting a mortgage broker . |
Some
mortgage
lenders will allow you to borrow more than the value of
your chosen property.
They may let you have a loan of anything up to 125 per cent
of a surveyor's valuation.
This can be very attractive if you have limited
savings to cover solicitor's and surveyor's fees, stamp duty
and moving in costs.
And because you have the entire mortgage
term to repay the debt, borrowing a
few thousand pounds extra may not add hugely to your monthly
payments.
Want
to talk
with a mortgage adviser who specialises in helping First Time
Buyers?
We can put you in contact with a professional mortgage adviser
who will find
you your best mortgage. It's free and completely
confidential. Simply fill out the form below
Read on about Mortgages for First time Buyers
Intro / What you're getting into
Buying
your first home
Be
careful out there
Don't
just grab the first mortgage you can
Problem:
having enough money
100% Mortgages for First Time Buyers
Should I borrow five times my income?
If you have
problems paying off your mortgage
Buying
as a couple
Already
own separate homes?
TIPS
for First Time Buyers
Having problems as a First time Buyer? Read some Solutions
UK Government Help, HomeBuy and Key Workers Schemes
Read On / Mortgage Guide
Choosing
a Mortgage
UK
Mortgage Types
UK
ReMortgages
How
to get Your Mortgage
What
is a Mortgage in Principle
Costs and Fees of UK Mortgages
Summary of All UK Mortgage Types
Read On
Guide to Home Buying for the UK
UK Mortgage and Home Insurance
To check the Best Buy Tables for todays best value First Time Buyer's mortgages Click here
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Many websites don't make it clear that filling in their mortgage enquiry form means you might be credit checked.
This can put you at risk.
UK Mortgage lenders may assume an enquiry you have aleady made to another lender means you were turned down - and not that you are in fact carefully shopping around and rejecting the bad deals.
The best way around this significant problem is to ask an independent mortgage adviser to make anonymous enquiries for you.
Without risking your credit score an adviser can find you the best available mortgage deal. They will also know how likely you are to be accepted by the lender if you decide to make a formal application.
If you would like a recommended adviser to check out the best deals for you, anonymously, simply fill in the quick form below.
" Hmm..." You might think; "Won't I be hounded by a salesman hungry for my business? "
This is the most common question we hear from our users.
The answer is no you won't.
Firstly your enquiry is only passed to ONE person on a carefully vetted list of independent advisers.
Secondly,
these mortgage advisers are professionals. Even
when the market is slow they are busy
people. There many people who need to move homes, or get
a remortgage and are looking for advice all the time.
Regardless of the state of the property market, life goes
on.
So the advisers don't have time to hassle people. It just
doesn't work like that. No one is gong to be forced into
taking out a mortgage unless they really need one.
The advisers are very used to talking with people, perhaps like yourself, who are only "dipping their toes" into the water.
Many people just want an initial quick chat and if they feel comfortable will ask the advisor to contact them again later - often in several weeks or months. As a professional, the adviser will simply diarise this and call back at the appropriate time. There is no obligation at all.
(In the unlikely event that you ever feel at all "hassled" by someone on our list please let us know immediately. We have never heard of this. But if it happened we would definitely want to know).
Back to A to Z Mortgages UK List
Read more about Types of Mortgages
See contents of Full Mortgages Guide
See contents of Home Buyers Guide
I've read enough for now and want to get a free Quick Mortgage Quote
The
two major varieties:
Repayment
mortgages
Interest
only mortgages
Then
mix in the various:
Interest
repayment arrangements
Finally,
to cover all the different types there's a
Complete
A-Z of mortgages
All UK Mortgage types
100%
Mortgages
Base
Rate Trackers
Bridging
Loans
Bad
Credit Mortgages
Buy to Let
Calculators
for Mortgages
Cashback
Mortgages
Capped
Rate
Costs
of a Mortgage
Current
Account Mortgages
Discounted
Variable Rates
Equity
Release Mortgages
Endowment
Mortgages
Expatriate Mortgages
First
Time Buyer Mortgages
Fixed
Rate
Flexible
Mortgages
Group
Mortgages UK
Interest
Only Mortgages
ISA
Mortgage
Key
Worker Mortgages
Mortgages
in Principle
Offset Mortgages
Pension
Mortgages
Prime
Mortgages
Repayment
mortgages
Shared
Ownership Mortgages
Standard
Variable rate
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Mortgage
Basics
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to Choose your Mortgage
Types of Mortgage
Where to Find Your Mortgage
Getting a Mortgage in Principle
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I am so glad I
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