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First Time Buyer Mortgage Advice in Wallasey

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7 days a week, 8am - 10pm

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First Time Buyer Mortgage Advice in Wallasey

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

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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.

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First Time Buyer Mortgage Advice in Wallasey

Book your free 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.

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FAQ's From First Time Buyers in Wallasey

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

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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?

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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 mortgage appointment.

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

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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?

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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!

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Our Simple 4-Step Process

Book Online

Step 1

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 Mortgage Apppointment

Step 2

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

Step 3

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

Step 4

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 Appointment in Wallasey

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

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

Search 1000s of Products

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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

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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.

7 Days a Week

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Navigating the process of securing a mortgage can present challenges, which is why we’re here to respond to any queries you may have 7 days a week.

Book your appointment for early in the morning, in the afternoon or later in the evening.

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We Search 1000s of Mortgages in Wallasey

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Common Mortgage Questions in Wallasey

How does the process work in Wallasey?

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Your free mortgage appointment will take approximately half an hour. Once your information has been gathered, a mortgage advisor in Wallasey will search through thousands of mortgage offers to identify one that aligns perfectly with your needs.

After we propose a deal, the decision to continue with our services and the mortgage product is in your hands.

When should I obtain an agreement in principle in Wallasey?

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We always advise you to secure an agreement in principle before you begin scouting for properties in Wallasey.

This could potentially give you a lead over other buyers who don’t possess one. Lenders appreciate having this in place when making an offer on a property.

How long does an agreement in principle last in Wallasey?

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Typically, an agreement in principle holds validity for anywhere between 30 to 90 days.

If your agreement in principle expires, it can always be renewed. As a mortgage broker in Wallasey, we can organise one for you within 24 hours of your appointment.

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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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