Over 100 per cent mortgages

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

To check the Best Buy Tables for todays best value First Time Buyer's mortgages Click here

Important note about your credit rating

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).

Value of Property	£	(eg 159000)
Borrow How Much?	£	(eg 125000)
Your Mortgage Type
Are you First time buyer?		Yes No
Have you found your property?		Yes No
Country
Sorry ! The amount you want to borrow is less than £25,000. This is the minimum allowed for a mortgage. But don't worry ! You could get the money via a personal loan. I want a free no obligation loan quote Click OK No thanks. I will change my borrow amount to more than £25,000 Click Cancel
Do you want to Self Certify?		Tick this box if you need to self-certify your income. (Self certified means unable to easily provide proof of income, e.g. if you are self-employed etc.)
Have you:		Had a CCJ or Default registered against you? Let us know because we can help you
		Missed one or more secured loan or mortgage payments in the last 12 months? Don't let that stop you from getting your mortgage needs met.
		Been declared bankrupt or had an IVA? Not necessarily a problem. Just let us know
First name:
Surname:
Date of birth:
Please enter your current postcode:
Address:		(click drop-down arrow for correct address) OR click here to enter address manually
Address1:
Address2:
Town:
County:
Email address:
Daytime phone number:
Evening phone number:
Please use this space to tell us the best time to call you and any other info you may wish to add:

Mortgage Guide
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First time Buyers Guide Contents