first time home buyer assistance
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First Time Home Buyer Assistance
Buying your first home is a big step in your life.
There will be a lot of questions that go through your mind when taking this big step. Questions like
- How much does it cost to buy a house?
- What financing options do I have?
- How much can I borrow?
all these may seem scary at times. But, you can relax now, for Mortgage4U is by your side.
With years of experience in the real-estate business, we can help you secure your first property at the best deal available in the market. Our team of experts offer you non-biased, fair advice and guidance about all aspects of property management. We have a wide network of contacts between lenders, solicitors, and sellers. All our resources are at your disposal to make the right decisions for your purchase.
As you know already, the property prices are constantly increasing throughout the country. Many first time buyers are facing the problem of credit, and finance while choosing to buy a property. They can only manage to save a small deposit to put down in the beginning. They also have very little idea as to how they can finance the rest of the payments.
If you are facing such difficulties, then relax.
Mortgage4U will find lenders for you, and also work on your mortgage options. We can tie you up with lenders who only require deposits as low as 5% of the purchase price. We can also file papers on your behalf on schemes such as the Government’s Help To Buy, and Shared Ownership Program.
With our mortgage plan, you can secure your dream home with a slight down payment as the deposit. The mortgage will be your biggest monthly expense after you purchase your home. Therefore, it is important that you get into the right mortgage plan. There are three different mortgage options available for you,
Fixed rate mortgages
Discounted mortgages
Tracker mortgages
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Fixed rate mortgages offer a single interest rate for the entire lending period. Choose this if you’re source of income is going to be steady throughout the foreseeable future. This makes your monthly budgeting easy too.
Discounted mortgages are when the interest rates vary from month to month. If you are into speculative trading, or any other business that can pay you more than you calculate, then this plan can come in handy. Discuss your income streams and payment options with our advisors while choosing this option.
Tracker mortgages are when the interest for your borrowing will vary in tandem with your lender’s bas interest rates. The lender can be a bank, whose rate will keep changing on a regular basis. The advantages of discounted and tracker mortgages are that sometimes the interests payable will come down so much, saving you a lot of money.
At Mortgage4U, we strive towards making the whole process of home buying easy for everyone. We do all the heavy-lifting while you cruise around cities on your home hunt. We calculate everything from your borrowing capacity, monthly payment details, additional costs such as legal fees, surveys, stamp duty, etc. We also provide you an assurance that if we can’t find the best mortgage offer for you, you won’t have to pay us a penny.