Buying your first home can be a daunting process! With High Street Banks and Building Societies claiming they have the best deals, estate agents trying to insist you see their preferred advisor, your mate the gas fitter telling you what is the best mortgage to go for and the person you work with behind the bar telling you what life cover is the best one, it is no surprise you are not sure what to do. Well this is exactly what we do.
If you want to know what you can borrow, what’s it’s going to cost and how much money you need, then we can give you all this information. We can advise you on the process, the fee’s, the products, explain all the jargon to you and can confirm if your mate the gas fitter is correct or not as this is what we do and have done every day for ages (in Stuart’s instance, since 1993 – hence the grey)
Did you know 25 years ago the average age of a first-time buyer was early/mid 20’s and it was quite an easy to obtain a mortgage. Currently the average first time buyer age is 30 with the average deposit being just over 15% to obtain a mortgage and the average first time buyer loan size is £137,000 * and the process is a little more complex with affordability calculators and budget planners.
*source: UK Finance, May 2017
If you would like to book an appointment then please get in touch and we can arrange a suitable time to discuss further. We can arrange appointments at a place and time suitable to you, we can discuss your options over the phone or if you prefer email, then this is fine with us.
About the Author:
Stuart Mosely (CeFA, CeMap, CLTM) founded SJ Financial Solutions in June 2005 having spent 12 years with big corporates such as Halifax and Santander. He felt the personal touch and straight speaking was missing from financial and mortgage advice services and set up SJ Financial Solutions to change this.
This firm usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.
Your property may be repossessed if you do not keep up repayments on your mortgage.