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First Time Buyer Mortgage Advice in Runcorn

It's free to speak with a mortgage advisor
7 days a week, 8am - 10pm

0151 438 2295 Speak to an Advisor - It's Free!
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First Time Buyer Mortgage Advice in Runcorn

Are you a first time buyer in Runcorn? Discover your borrowing potential and move closer to securing your dream home. Start your mortgage journey with an expert today.

Speak to an Advisor - It's Free!

Looking at Getting a First Time Buyer Mortgage in Runcorn?

Purchasing your first property in Runcorn can be a daunting process, that’s why we’re here to help! Throughout your mortgage journey, you’ll work with a mortgage advisor in Runcorn to help you secure a first time buyer mortgage and keys to your dream house.

Don’t hesitate to get in touch and start your first time buyer journey in Runcorn today!

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First Time Buyer Mortgage Advice in Runcorn

Book your free mortgage appointment online today

In our 20 years of experience, our team have had the pleasure of being able to help many first time buyers in Runcorn get the keys to their first homes.

Getting mortgage advice in Runcorn has never been easier! Our team are available 7 days a week to provide you with the help you need in Runcorn. We eagerly anticipate aiding you on your journey to owning a home!

How much deposit do I need for a mortgage in Runcorn?

The minimum deposit that you need for a mortgage will be approximately 5-10%; this will vary depending on how well your credit score is. As an experienced mortgage broker in Runcorn, we usually find that most first time buyers have good credit, however, this is not always the case.

Nevertheless, we will search 1000’s of deals to find you a suitable first time buyer mortgage in Runcorn to match your circumstances.

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FAQ's From First Time Buyers in Runcorn

Are there ways to help me get onto the property ladder in Runcorn?

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There are alternative ways to get onto the property ladder that can be beneficial for those finding it hard to come up with a deposit. Here are few schemes you could benefit from as a first time buyer in Runcorn:

  • Shared Ownership Scheme
  • First Home Scheme
  • Lifetime ISA

To see if you meet any of the scheme’s criteria, we recommend you browse the government’s OwnYourHome website for more detailed information about these schemes. Alternatively, you can get in touch with our mortgage advisors in Runcorn who can guide you through each one.

What are the costs involved with first time buyer mortgages in Runcorn?

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Your first time buyer mortgage in Runcorn will come with several costs that you should be prepared for.

  • Deposit: Usually 5% to 20% of the property value.
  • Mortgage Fees: Arrangement fees, valuation fees, and booking fees charged by the lender.
  • Legal Fees: Costs for a solicitor or conveyancer to handle the legal aspects of buying a property.
  • Stamp Duty: Depending on the property price and current regulations, some first-time buyers may need to pay this tax.
  • Survey Costs: Fees for property surveys to check its condition and value.
  • Insurance: Building insurance is required, and contents insurance is recommended.
  • Moving Costs: Expenses for moving services or renting a vehicle to transport belongings.

Do I need an agreement in principle in Runcorn?

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An agreement in principle is a valuable document to have when applying for a mortgage. You will need one to make an offer on a property in Runcorn.

An agreement in principle, also known as a decision in principle, is a statement from a lender indicating how much they are willing to lend you based on an initial assessment of your financial situation.

Having an AIP demonstrates to sellers and estate agents that you are a serious buyer and financially capable of purchasing a property.

If you are looking for an agreement in principle in Runcorn, get in touch with our team and we can sort one for you within 24-hours of your appointment.

If your AIP expires, just get back in touch and we can renew it for you straight away.

What type of first time buyer mortgage can I get in Runcorn?

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There are all kinds of first time buyer mortgages in Runcorn available on the market, and some will be better suited to you than others.

We often find that most first time buyers in Runcorn opt for a fixed-rate mortgage, tracker mortgage or discounted variable rate mortgage.

If you are struggling to save for a mortgage, perhaps researching the government mortgage schemes could help.

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Our Simple 4-Step Process

Book Online

Step 1

Every customer can benefit from a free mortgage appointment in Runcorn.

Simply select a date and time online or give us a call and we can book you in over phone.

Free Mortgage Appointment

Step 2

Our dedicated mortgage advisors in Runcorn will carry out a review of your earnings and outgoings during a free initial mortgage consultation.

With this analysis, we can establish the maximum amount you can borrow as a first time buyer in Runcorn.

Mortgage Application

Step 3

After your offer on a property has been accepted, your mortgage advisor in Runcorn will handle the submission of your mortgage application and arrange for any extra paperwork asked for by the lender.

Throughout this mortgage process, your assigned case manager will be providing consistent updates, guaranteeing your awareness of each progress.

Keeping You Protected

Step 4

We want to make sure that you are financially protected when taking out a first time buyer mortgage in Runcorn.

This is why we will run through your insurance options with you, to make sure that you and your family are safeguarded in the future.

Reasons to Choose Us

Free Appointment in Runcorn

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You can book your free mortgage appointment online by selecting a date and time that best suits your working and personal routine.

As a first time buyer in Runcorn, we know that the process can be stressful, let us help you through your journey!

Search 1000s of Products

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Our mortgage advisors will try and find you a first time buyer mortgage in Runcorn that matches your personal and financial situation.

Our advisors are equipped to search through 1000’s of mortgage deals in an attempt to secure the offer that aligns precisely with your situation.

Our Service

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Our team have over 20 years of experience in providing mortgage advice in Runcorn, dealing with a variety of mortgage situations.

We have come across almost every mortgage situation, it is more than likely that we have helped someone in a similar situation to yours before.

7 Days a Week

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We are available 7 days a week! Get in touch with our first time buyer mortgage advisors in Runcorn at a time that best suits you.

Book an appointment during the morning, afternoon or later in the evening – whatever works for you!

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We Search 1000s of Mortgage Deals in Runcorn

Fleet Mortgages
Paragon Mortgages
TSB Mortgages
Halifax
Bluestone Mortgage Advice
BM Solutions Mortgages
Chorley Building Society
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HSBC
Nationwide
Skipton
Pepper Money
Mortgage Works
Coventry Building Society
Santander
Natwest Mortgage Advice
Newcastle Building Society
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Accord Mortgages
Aldermore Mortgage Lender
Beverley Building Society
Kent Reliance
Virgin Money & Mortgages
Leeds Building Society
Scottish Widows
Foundation Home Loans

Common Mortgage Questions in Runcorn

How does the process work in Runcorn?

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As your mortgage broker in Runcorn, our initial task is to conduct a Fact Find on you. This process provides us with a comprehensive view of your personal and financial circumstances, enabling us to suggest the most appropriate mortgage for your needs.

If you are happy with our recommendation we can begin preparing your mortgage application. After you have submitted all the necessary supporting documents and the property has been valued, a formal mortgage offer can be issued.

How does the free initial mortgage consultation work?

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Your free mortgage appointment should take roughly 30 minutes. Following the collection of your information, a mortgage advisor in Runcorn will then search through 1000’s of mortgage offers to pinpoint the ideal deal for you.

After we propose a product we believe is best suited for you, if you are happy to continue with us and the deal, we can begin preparing your mortgage application.

When should I obtain an agreement in principle in Runcorn?

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We always suggest that you secure an agreement in principle prior to beginning your property search in Runcorn, as it could potentially give you an edge over other purchasers who don’t possess one.

Lenders appreciate buyers who have done their groundwork before making an offer on a property!

We can arrange your mortgage agreement in principle within 24-hours of your appointment. If you are looking for your AIP, you know who to contact…

How long does an agreement in principle last?

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An agreement in principle usually stays valid for around 30 to 90 days, although this may vary according to your lender.

If your agreement in principle expires, it can always be renewed. A mortgage broker in Runcorn such as ourselves, can generally secure one for you within 24 hours of applying.

Mortgage Guides

Liverpoolmoneyman.com & Liverpoolmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk

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