Buying your first home is an exciting time but can seem very daunting. At Excel Mortgages we understand that you need help navigating the minefield but also a bit of reassurance along the way. Don’t worry, we’ve got your back.
There are mortgages aimed at First Time Buyers, some with preferential rates or lower fees, and in some cases, they even give cash back!
At Excel Mortgages we don’t just help you understand your mortgage options but we give advice and support for the whole journey. Buying a house has other costs you need to consider like legal fees and survey fees. Making sure you have a good understanding of the costs of buying a house is a great place to begin. Let’s not trip up at the start!
It is also important to understand there is more than just the mortgage you will be paying. We will help you work out the overall cost per month of owning your home.
This is likely to include Council Tax, utility bills, insurance’s as well as the mortgage payment. We can help you work all these out to make sure you’re not biting off more than you can chew.
Here are just some of the areas we can help you with:-
- Working out how much you can borrow.
- Advising how much this will cost per month.
- Explaining the process of buying a house.
- Obtaining a Decision in Principle so you can house hunt with confidence that you will be approved for the mortgage.
- Giving advice on how to find your dream home and negotiate the best price with estate agents.
- Recommending solicitors and then liaising with them so you don’t need to keep chasing them up.
- Recommending surveyors.
- Looking at your insurance options – just to be on the safe side.
- Oh, and of course, finding you the best mortgage deal, and taking away as much of the stress as possible. We are always about if you need a bit of reassurance!
Get in touch, we can help make this dream a reality!