First Time Buyer
First time buyer mortgages. We’re here to help and advise.
At Prestige Mortgage Solutions, we understand that buying your first home is a daunting experience. A mortgage is, for most of us, the biggest financial decision we will ever make – so it’s vital to get it right.
Our mortgage advisors work hard to make the process as straightforward as possible, helping first time buyers find the best deal.
As your mortgage advisor, we will guide you through all the facts, figures and decisions from start to finish.
There are costs in relation to a new purchase that you need to consider. The first step will be to talk you through all of these details, so you know exactly how much and when you will need to pay them.
Our flexible service is tailored to suit you. We offer a complete mortgage service that takes all the stress out of the process for you.
We will be able to help and advise you in the following areas:
Agreement in Principle
Providing an agreement in principle to an estate agent to verify your financial position is a key part in the offering and negotiating process.
We make sure you are a step ahead of other buyers and will ensure you have an agreement in place after our first meeting at no cost.
Help to buy & Shared Ownership
The government has several schemes to help you get on the property ladder. We can talk you through all options including affordable housing schemes such as shared ownership. We have vast experience in dealing with help to buy applications and affordable housing schemes.
Costs Involved in Buying
It’s not just your mortgage you need to think about when buying a property. We will talk you through any additional costs that may arise during the buying process and will go through a costings exercise to make sure you are prepared for every eventuality.
When you apply, lenders work out how much you can borrow based on figures such as your earnings, outgoings, the value of the property you want to buy and your deposit. Lenders will also check your credit history. We will complete a monthly budget planner with you, to ensure that the mortgage, protection and household expenses are going to be affordable.
We have access to a wide range of mortgage lenders, so we will shop around for you to ensure you are getting the best deal.
Protecting your Debt
We’re passionate about helping you secure your first home, but we’re equally passionate about making sure that the debt and your family are protected.
We will ensure that you are fully protected so that you can keep your home, no matter what life throws at you.
Our experienced advisors understand even the most complex self-employed cases.
We have a wealth of experience helping customers who are self employed.
Some self-employed clients have complex business structures and making sure you have a mortgage broker who understands this and can work closely with your accountant is very important.
Mortgages for self employed is an ever changing market so we keep up to date with all of the changes the lenders are making to their criteria and have close relationships with business managers and underwriters to get you the best possible outcome.
If you are a contractor, freelancer or a trades person then it’s very important that you speak to broker who has experience placing theses types of mortgages and has plenty of lender choice. A lot of employers are now favouring these type of employment agreements, but they can be trickier and more complex cases to place. We will help you find the best mortgage to suit your contractor status.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Call us on
0330 135 8047
Get in touch
You can pop any questions you have for us in the contact form, and we’ll get straight back to you. Or, if you want to give us a call, we love a chat, so don’t hold back! Speaking one-to-one is often the best way for us to get to know all about your individual requirements and give you the information you’re looking for.
Prestige Mortgage Solutions Ltd
60 Reay Avenue, East Kilbride, Glasgow, G74 1QT, United Kingdom
“Sian answered all of our questions no matter how silly they sounded to us she always reassured us they were normal for first time buyers! I’ve known Sian for years and naturally was my first choice to go to for a mortgage when I went to look for one. Her professionalism and persistence makes her stand out from anyone else you could think about going to”
S Learmonth, East Kilbride
“I literally could not be happier with the service I received. I was kept up to date on progress at all times and always made to feel welcome if I did feel the need to check on something. End result was more than satisfactory and I will 100% be asking for help again in a couple of years when my fixed rate comes to an end. Highly recommended!”
“A superb and professional service, exceptional speed on delivery during times where personal advice or meetings and physical appointments have been difficult. Thoroughly happy with the company and how the whole mortgage transaction was seen through from start to end. I will gladly use again in the future”
I.Dill, East Kilbride
“Fantastic service, nothing was too much hassle. Kept up to date throughout the full process, just a great, professional and hassle free experience from start to finish, would highly recommend!!”
L McIlhiney, Glasgow
“Stephanie English was very friendly, efficient and quick to secure me the result I wanted.”
“Outstanding service from initial contact until remortgage and insurances were completed. Sian was constantly available and always responded to me quickly. Nothing was ever a bother for her (and I wasn’t exactly the easiest client to find insurance for). I was very happy with the mrotgage and insurances she found for me and my partner. Her friendly, positive, can-do attitude was present in every email, which made the entire process stress free. I couldn’t rate her highly enough. A consummate professional.”
“I want to express my appreciation towards this company especially to the mortgage broker who followed me throughout the process of the mortgage for my first house. A big thank you to Stephanie English and her consistent professionalism during the whole procedure”
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YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
This firm usually charges a fee for mortgage advice in relation to a purchase. While we typically charge a fee of £295 the amount of the fee is dependent on the amount of research and administration that is required and will be discussed and agreed with you at the earliest opportunity.
Please note if we recommend a Product Transfer with your existing lender or you are completing a remortgage then no mortgage advice fee will be payable, we receive commission from the provider.