When you are ready to buy your first home, you’ll appreciate a little help. We can help you get the mortgage offer you need.
Your home may be repossessed if you do not keep up repayments on your mortgage
Most people, when ready to get their first mortgage, will head to their bank. It seems to make sense; the bank knows them, can see they pay their bills and should give them a mortgage. However, the bank will only offer a first-time buyer their own mortgages.
A mortgage broker, particularly an independent one like us, has access to a wide range of mortgage deals on the market. They are likely to find you a significantly better offer. Remember, even an interest rate difference of half a percentage can change the amount you pay back by thousands.
Our specialist service does more than look for a suitable mortgage. We can help evaluate your finances, suggest tweaks to improve your situation and ensure you have enough available funds to reach your long-term goals. In short, contacting us could save you money and help you be better prepared for the future!
Before you can get a first-time mortgage you’re going to need a deposit, a good credit rating and to pass the mortgage provider's affordability test. Each mortgage provider has its own rules. Simply applying to lots of mortgage companies may damage your credit rating and temporarily ruin your chances of getting a mortgage.
We can help you find a mortgage that fits your available deposit and make sure you’re getting the most suitable deal for your circumstances. However, it’s not just our access to the market that’s important. Getting any mortgage can be daunting and complicated. It’s worse if you’re doing it for the first time, which is why we’re here to help.
If you’re new to mortgages you may not appreciate the importance of your deposit, your job or even the way you spend your money. You’ll probably be happy to get a mortgage offer. If we’re helping you, simply being offered a mortgage isn’t enough.
We aim to help you resolve any financial issues and get you the most appropriate mortgage deal for your individual situation. We can do this through our extensive network of lenders. As a satisfied mortgage client, you’ll be more likely to recommend us and use us for other financial planning matters. Looking after you helps us look after ourselves.
Contact us
Our dedicated and professional team is waiting to help you. Contact us today and let our expertise help you make the most of your money
Being a first-time buyer is exciting. However, it’s also challenging. House prices generally move upwards while the amount lenders are prepared to lend has decreased. Alongside this, higher interest rates mean you can afford to borrow less. Trying to navigate all these elements is difficult, but we can help.
First-time buyers can also face challenges due to low credit scores. This is often due to a lack of credit history. We can help you devise a strategy to boost your credit score and help ensure you’re eligible for the best mortgage deals.
Perhaps the biggest issue is deposits. As mortgage lenders become more cautious and prices rise, the amount you need as a deposit rises. It can be difficult to raise the necessary funds. Fortunately, our team can help you with financial planning, allowing you to save the deposit you need. You just need a little time.
Frequently asked questions
Understandably, you have questions. The following are the most frequently asked, however, if you don’t find your question and the answer here, don’t hesitate to contact us. We can help you with any query, no matter how big or small.
Most people have the misconception that mortgage brokers are expensive. The truth is, we can save you thousands because we can offer a wide range of mortgage deals from multiple lenders, not just the ones offered by one lender.
There are mortgages available which require only 10% of the selling price. However, the bigger your deposit, the greater the selection of mortgages you’ll have to choose from. You’ll also likely get better interest rates.
This depends on several factors, such as your deposit, income and the length of repayment. We can help you maximise your mortgage if you feel that’s in your best interests.
As a first-time buyer, you may be eligible for either mortgage. Repayment mortgages repay a little of the sum borrowed and interest every month. Interest-only options only repay the interest. You’ll need a savings vehicle to save the money needed to repay the borrowings. We can help you with this.
Yes, you can. However, you’ll have to fill out an application for each lender and they may all conduct credit searches. We can help you select the best lender for you and handle the application process, leaving you to focus on the packing.
We have over 30 years of experience in the property market, dealing with a wide variety of lenders and individual situations. In short, we can help you get an attractive deal and the home you want.
We can talk about how good we think we are but the proof is in the pudding. That’s why we’re on VouchedFor, so you can see genuine verified reviews from actual clients. It’s important to us that potential clients can see what it’s actually like to work with us and that clients have a space to share their honest feedback on our service so we can make improvements where necessary. We’re proud to have a 4.8 rating on VouchedFor – click to see where that rating has come from.
Related links
At Lynas Vokes, we offer a wide range of services to help you at every stage of your life’s journey. Click on the links below to view our recommended services or view our Services menu for our full range.
It doesn’t matter where you’re based or what your motivation is, if you want to find out more about the new build experience, we can help.
It doesn’t matter why you’re moving or where you moving to and from, we have the resources you need to help you reach your moving goals.
Whether you’re venturing into the buy-to-let market for the first time or already own a string of properties, we can help you get the right deal and succeed.
If you’re looking for your first home, you’ll appreciate any help you can get. Our specialist team is here to help you prepare your finances, boost your deposit and locate the most suitable mortgage deal for your circumstances. From the moment you express an interest, we can help you get ready, ensuring you’re in the perfect position to buy your dream home when it comes on the market.
Contact us today and let us help you become a property owner.
Advised sales
An initial flat fee of £495 for a standard case or £795 for a non-standard / specialist case will become payable on submission of the mortgage application. We will also be paid by commission from the lender.
The exact amount of commission we will receive is not known to us at this stage. We will confirm the actual amount to you as part of the lending illustration we are required to obtain from the lender.
We will tell you how much the total fee will be in good time before you apply for a mortgage, but you may ask for this information earlier.
Testimonials
