01603 216881
First Time Buyers
First Time Buyers
Getting You on the Property Ladder
First Time Buyer Mortgage Options
You’ve done your homework, you’ve saved a deposit, worked out the sums and started looking through homes for sale. You’re ready to purchase your very first home and with it take out your very first mortgage. Congratulations! This is a big step, and you have an exciting journey ahead of you. Now, let’s make the dream a reality.
For a journey like this, it only makes sense to have a guide – a dedicated and independent mortgage adviser with a team of experts who can research all the options available to you, appoint solicitors, arrange surveys and crucially get your mortgage agreed. In other words, it only makes sense to call Charwin Private Clients to help with your first time buyer mortgage search.
We streamline the process, know where the stumbling blocks are and we guide you at every step of the way. It starts with a simple 15-minute conversation during which we discuss your requirements and your circumstances. We’ll then research the market and provide in writing the recommendations that we think make the most sense for you, keeping in mind your affordability and lenders’ criteria. You’ll have plenty of time to look over the recommendations and ask follow-up questions, and you can apply when you are ready.
We proudly provide first time buyer mortgage assistance to clients.
Let’s get you past the first hurdle, helping you become serious buyers in a busy market.
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Interested in searching first time buyer mortgages to get an idea about rates? Our easy-to-use application can help you do just that!
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Our professionals are more than willing and able to help you find the first time buyer mortgage that is perfect for your budget.
Think carefully before securing other debts against your property. The total to repay these debts may be considerably more.
Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it.
For residential, consumer BTL and business BTL
Your consultation is obligation and cost free, as is looking at any recommendation we may offer. We do not always charge a fee. This depends on your circumstances. When we do charge fees we take into consideration the commission we receive from the lender. Please check the Key Messages provided to you for the basis on which we charge fees. It will also be explained to you by your adviser. All fees in all circumstances are discussed with you and put in writing prior to any application being made. Our charge to advise and arrange your mortgage is £695. We deduct any lender commission expected from this fee. If the lender commission exceeds £695, we will not charge you at all. For example, if we receive £600 from the lender, we will levy a charge to you on completion of £95. We do not charge for setting up life assurance, critical illness, income protection or other insurance.
For 2nd charge (secured loan) business, Representative APRC 7.5% Variable.
Representative example: Annual interest rate of 6.9%, Representative 7.5% APRC Variable. Based on borrowing of £80,000 over 240 repayments of £631.06. Total amount repayable £151,824.40. Includes lender fee of £495 and broker fee of £1,500.
Charwin Private Clients are authorised and regulated by the Financial Conduct Authority. Our firm’s number is 498486. You can check our details on the FCA register by clicking here.
Our trading address is Holland Court, The Close, Norwich, NR1 4DY. Tel: 01603 216881 || Fax: 01603 216885
Registered in England No: 06628612. Registered office: Holland Court, The Close, Norwich, NR1 4DY. This site is only directed at persons within the UK.
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