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

There are additional home affordability schemes backed by the government that can assist those who find it challenging to gather the necessary deposit. This could be an avenue worth exploring if you’re a first time buyer in Wallasey. Here are a few well-known alternatives ways that might be accessible to you: Shared Ownership First Home Scheme Lifetime ISA Before you can utilise these schemes, there are certain eligibility requirements you need to meet. Hence, we advise you to explore the OwnYourHome government website for in-depth information about these schemes. Alternatively, speak with one of our mortgage advisors in Wallasey who can walk you through each scheme.

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

There are many different costs that come with getting a mortgage, such as conveyancing fees, mortgage arrangement fees, property survey fees, legal fees and also you need to account for your deposit. Your mortgage advisor in Wallasey will go through all of these costs with you during your free initial mortgage appointment.

How can I work out how much I can borrow for a mortgage in Wallasey?

First time buyers in Wallasey typically contact us at the beginning of their mortgage journey. This is largely due to their desire to understand how much they can borrow for a mortgage. Our mortgage calculators on our website provide a general idea and are particularly useful for first time buyers in Wallasey seeking a estimate figure. Nonetheless, bear in mind, this doesn’t take into account your personal financial circumstances. If you’re in the market for a more precise figure, a expert mortgage advisor in Wallasey can assist you and give the the exact number you need.

Have you been declined from your bank?

It’s not uncommon for clients to contact us after being declined a mortgage by their bank. There could be several explanations for this, but our team is ready to assist you. Our tailor-made service enables our team to provide the necessary guidance to get you the most suitable choice based on your personal and financial situation. As a mortgage broker in Wallasey, we have access to a broad array of mortgage lenders, many of whom offer products that cater to those in complicated situations. Our team is available seven days a week to provide mortgage advice in Wallasey and answer any mortgage-related inquiries. We look forward to be able to help you!

First Time Buyer Mortgages Wallasey | Free Initial Mortgage Appointment

Looking at Getting a First Time Buyer Mortgage in Wallasey?

Purchasing your first property in Wallasey can be a big financial decision, and we know that if you are a first time buyer, you may not be aware of all of the steps involved.

Making that initial move on the property ladder as a first time buyer in Wallasey might seem a bit intimidating. However, you will have an expert mortgage broker in Wallasey accompanying you on this journey, helping you secure the keys to your dream home.

First Time Buyer Mortgage Advice in Wallasey

Book your free initial mortgage appointment online today

With many years of expertise under our belt, our team has been able to assist numerous first time buyers in Wallasey embark on their homeownership adventure. Utilising our 20+ years of experience, we take great pride in offering first time buyer mortgage guidance in Wallasey.

Our team is accessible 7 days a week to deliver fast and friendly first time buyer mortgage advice. If you have any questions, don’t hesitate to get in touch!

How much deposit do I need to apply for a mortgage in Wallasey?

The amount of deposit you need should be a minimum of approximately 5-10% of the property value. This will vary depending on how well your credit score is.

As an experienced mortgage broker in Wallasey, we find that first time buyers usually have a good credit score. If you are in this position, it’s possible that you can access higher loan to values rates, like a 90-95% mortgage.

Speak to an Advisor

Important information

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.

FAQ's From First Time Buyers in Wallasey

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Tomas

Absolutely amazing from start to finish. Very helpful, every detail explained, every question answered, no delays, whenever we need they always answer within few hours. Couldn't recommend more, makes life so much easier.

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Lovely, friendly, professional and very knowledgable. Highly recommend to anyone who is looking to find a mortgage or remortgage their exisiting property. Our mortgage advisor Matt Collinson was professional and friendly throughout, answers any...

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Mark

Once again Liverpool money man goes above and beyond to help me get another mortgage. I had a few issues regarding being self-employed and struggling to get a mortgage within 1 week LMM had my mortgage approved. Thank you very much all involved....

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Great service, start to finish Tom and the team helped and advise whenever we had any queries. Transparent pricing.

2 months ago

Kelly

I used MoneyMan for my first mortgage, I was thrilled with the service they provided back in 2017 therefore I went back to them for my remortgage Chris & Debbie were super helpful with my remortgage. Would highly recommend.

4 months ago

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Had a retirement mortgage agreed and completed. Wayne and Moneyman were excellent, very professional, knowledgeable and helpful at all points. Happy to recommend their services

4 months ago

Stacey

I have been using Liverpool Moneyman for my mortgages and remortgages since 2014. Great flexible and friendly service.

5 months ago

Helen

Leo and the team have been exceptionally thorough in explaining all my options. I truly felt that Leo had my best interests at heart, going above and beyond even offering advice and support beyond his usual remit. He’s been incredibly patient with...

8 months ago

Steven

Always very helpful. Helped us buy our first house and have been great assisting with the remortgage process.

8 months ago

Mr James

Always friendly and provide sound advice. Very supportive look out for the best interest of the client.

8 months ago

Kevin

Brilliant from start to finish. No fuss. Chris found me a new deal with my existing provider. Have recommended this company to my friends.

8 months ago

Hannah

Fantastic service from beginning to end, extremely informative and supportive. Daniel was very easy to communicate with and provided all the information we needed.

8 months ago

Michael

Excellent service, always professional and friendly. This is the second time I’ve used moneyman and their advice has been invaluable. Jason and Lizzi have been outstanding.

9 months ago

Vitor

I am so glad I find this Mortgage Broker , specially Tom Bowes and Debbie Stones, they both were very professional and polite from start to end , they keep me informed and updated at all times, the process was very smoth and fast, highly...

9 months ago

Tarique

I wanted to say a big thanks to Paula, Leo, and the Liverpoolmoneyman team. Both Paula and Leo have managed to secure me a great mortgage deal. Making this whole process seamless and less stressful with clear communication during each stage. I would...

9 months ago

Tarique

I wanted to personally thank Leo Shakespeare, and Paula Milner. And the UK Moneyman team for outstanding customer service in securing my new mortgage. Your outstanding expertise, patience, and clear communication has made this whole process much...

9 months ago

Georgia

Daniel was so helpful throughout our remortgage process. We used Liverpool Money Man when taking out the original mortgage and we didn’t regret it at all, so helpful and made us feel so reassured at each stage. Thank you again!

10 months ago

Shauna

Matt and Debbie at Liverpool Money Man were so helpful throughout the process of securing me my mortgage offer. From start to finish, they were friendly & explained every step of the process. They were also easily contactable and responded to any...

1 year ago

Rajeetha

Very good service

1 year ago

Our Simple 4-Step Process

Book Online

Speaking with a expert mortgage advisor in Wallasey is crucial when considering your mortgage circumstances.

Our dedicated mortgage advisor in Wallasey will carry out a comprehensive assessment of your earnings and outgoings and tell you the maximum amount you can borrow for a mortgage.

Free Initial Mortgage Appointment

Our knowledgeable professionals can introduce you to an extensive array of lenders offering specialised products for first time buyers in Wallasey.

This will positively guide you on your journey to homeownership. After your consultation, we will swiftly arrange your Agreement in Principle (AIP), typically within a 24-hour timeframe.

Finding a Suitable Product

As soon as your offer on a property is accepted, our devoted mortgage advisors in Wallasey will handle the submission of your mortgage application and the arrangement of any extra papers demanded by the lender.

During the entire mortgage procedure, your assigned case manager will offer regular progress reports to keep you thoroughly informed at each phase.

Submit Your Application

Aswell as finding the most appropriate mortgage solution for you and your new home, we will look to find you an insurance product to take out alongside your mortgage.

Having an insurance product in place financially protects you and your family in the event of your death. Making sure that this is in place is always recommended.

Reasons to Choose Us

Free Initial Appointment in Wallasey

You have the choice to have your free initial mortgage appointment either over the phone or via a Microsoft Teams video call – you choose!

You can book this free initial mortgage appointment online by using our online booking system.

Search 1000s of Products

Our mortgage advisors in Wallasey are equipped to search through 1000s of mortgage offers aiming to identify the one that suits your situation best.

In addition to this, we are set to provide constant assistance throughout the process.

Our Service

Having helped numerous first time buyers in Wallasey with their mortgage process, our mortgage advisors are well-equipped to help you through your mortgage journey.

Feel free to look at some of our customer reviews by heading to our reviews page.