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First Time Buyer

If you’re thinking about buying your first home you’re probably finding the whole process of choosing the right mortgage and actually buying your ideal home rather daunting. So what do you need to know to get on to the first rung of the property ladder?

The first step is to contact us and we will advise you on the mortgage options available to you.

How much can you borrow?

As a rough guide, a typical amount is four times your income. This figure could be higher or lower depending upon your individual circumstances and different lenders’ criteria. Some lenders do not use income multiples at all and will lend based on affordability.


We will work with you to check the terms and conditions of your existing mortgage. These will tell if you are tied-in to your mortgage deal or if there are any early repayment charges. You can then decide if it is worth switching to a different rate or stay put until the penalties have expired.

The whole process should take about a month to complete. Once you have received a completion statement from your solicitor or new lender, the process has finished and your new mortgage is in place.

Credit Problems

If you just want to deal with a truly reputable company that can get you a good deal on your mortgage, despite your past or present financial circumstances, then contact us today.

We will fully assess your financial circumstances and run through the mortgage options available to you.

As we have access to thousands of mortgages including many exclusive deals with a huge range of lenders, we can offer a wide range of poor credit history mortgages with some special features.


As we have access to thousands of mortgages, the ability to negotiate exclusive deals with a huge range of lenders, we can offer a wide range of buy-to-let mortgages with some special features:

  • From as little as 15% deposit required
  • First time buyers buy-to-let products available
  • No minimum personal income required
  • Buy-to-let remortgage packages, including free fee's
  • Generous rental calculations available as low as 100% of the monthly mortgage payment
  • Much more...

Whatever your mortgage requirements, we’re certain we can find the mortgage for you. For more information, get in touch today!


In a nutshell a self-cert mortgage allows you, the borrower to certify your own earnings without having to supply proof of income documentation, such as pay slips or fully audited accounts.

With around 15% of the UK population now being self employed, self-cert mortgages are becoming increasingly popular.

As the market becomes increasingly competitive, the deals available are just getting better and better.


As we have access to thousands of excellent deals with a huge range of lenders, we can offer a wide range of commercial mortgages with some special features:

  • Mortgages available for individual investors, large Plcs, Partnerships, Ltd companies and large residential investment properties
  • A wide variety of properties considered including hotels, restaurants, shops, nursing homes and post offices amongst others
  • Borrow up to 85% of the purchase price (including self certified applications)
  • No minimum or maximum loan size
  • Can allow capital raising on existing commercial property
  • Professional lending facilities which match individual borrowers needs

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for this service and advice. The exact amount will depend upon your circumstances but we estimate it will be no more than 1%. We do offer a Fee Only option and the fee for this is typically 1% and the commission paid is rebated to you.

For Self-certification products the overall cost for comparison is 7.9% APR and for sub-prime products the overall cost for comparison is 8.7% APR.

The advice and/or guidance contained within this site is subject to the UK regulatory regime and is therefore targeted at customers based within the UK. The Financial Services Authority (FSA) does not regulate secured loans, commercial loans or buy-to-let mortgages.

For advice on any of the above ,a href="/contact-us">Contact Us now.

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