Buying your first home can be a daunting experience!  There are so many factors to consider:- what location to buy in, is the property in sound condition, what should my opening offer be, when should I contact my solicitor, will I need to get a registered valuation, what about a building report?

First thing's first.  Before you start looking for a house, contact me to find out how much you can afford to borrow.  Together we can work through different loan amounts, repayments and various scenarios to enable you to choose a package you are comfortable with. After all - the mortgage will be with you for a long time!

pre-approval is highly recommended before you go house-hunting. This gives you written confirmation of the maximum amount you can borrow, which puts you in a strong negotiating position when you are ready to make an offer on a property.  In fact, until you have a pre-approval, you really can't be sure what price range you should be looking in.

When we meet to arrange your pre-approval, I can take you through the whole home-buying process. This includes making your offer, what special conditions to include in an offer, when to get your solicitor involved, when to pay over your deposit, and an explanation of the legal process from start to finish. Naturally, we will also discuss the different types of home loan options available to you.

Once we obtain your pre-approval, I will stay in touch with you until you find your suitable home. You can contact me at any time to ask questions.  Take advantage of the experience I have built up over years of arranging mortgage finance and buying/selling houses.

Once your offer is accepted, I will guide you through the purchasing process and keep you informed every step of the way.  I will also liaise with your real estate agent and solicitor to ensure everything settles smoothly.

Our relationship doesn't end when you've bought the property. I hope you will be so impressed with my service that you will contact me whenever you (or your friends and family) need another mortgage in the future.

Contact me to arrange a pre-approval.

• Many lenders will accept a deposit gifted to you from a family member or friend to buy your first home.
• Another option in some cases is for your parents (or other close family member) to provide a limited guarantee against their family home (subject to the family member taking independent legal advice).
• In other cases, I can arrange a second mortgage to cover your deposit.

We have a range of 95% home loans available to first home buyers with clean credit and stable employment. If you don't have a larger deposit, it can be worth considering a 95% home loan to get into the property market sooner rather than later. Otherwise, by the time you saved up a larger deposit, you may find that property prices have increased!