House Purchase and First Time Buyers
Whether you are purchasing your first home or a next time buyer, The Mortgage Surgery is here to help you all the way through your purchase process. Our team of fully qualified and highly experienced mortgage experts will ensure that the process is as quick and as painless as possible. We all know that purchase a property is the biggest financial commitment we will ever make and can also be the most stressful period of our lives.
Our team of mortgage experts is here to take the stress out of your property purchase with our hassle free and fully independent service. We offer a full range of mortgage services including:
- Fully independent and whole of market mortgage advice
- Qualified team of mortgage experts
- Highly reputable conveyance services
- Buildings and contents cover
- Mortgage life insurance specialists
- Mortgage Payment Protection
- Income Protection cover
We can also help to answer some of those all important questions surrounding property purchases, such as:
How much can I afford/what can I borrow?
Affordability and how much you can borrow is very important when it comes to purchasing a new home as it will help you when searching for suitable properties. As the new lending criteria come into play in April '14 we know that affordability is going to be tighter than ever before so it's important to know how much you can afford before committing to any offers.
Most estate agents will now require a 'Decision in Principle' which is a basic review of your current financial circumstances and a pre-mortgage offer. Our mortgage experts are more than happy to provide you with this information to help you with your purchase, which can also help to strengthen your offer if against one or more other purchasers.
Which are the best lenders?
There is no right or wrong answer to this question and it all depends on your individual circumstances in terms of who will lend, how much they will lend and what rates are available. Don't be fooled by high street lenders offering low-interest rates to attract you as these rates can be difficult and sometimes almost impossible to get hold of.
Our team of mortgage experts will assess your circumstances to identify which lender(s) will offer the right rates, best service and most favourable terms for your property purchase. Identifying a suitable lender can be an art form in itself and don't underestimate the power of a strong mortgage offer as the least possible complications can ensure that your purchase goes ahead without any major issues.
What is the best rate?
This all depends on your attitude to risk and what you want out of your new mortgage, which is our job to assess and identify the best for you. Our mortgage experts will do a full and comprehensive fact finds to be able to advise and recommend the most appropriate deal for you.