Kaan Emin Ozkaptan T/AS Apply Mortgages is an Appointed Representative of Julian Harris Mortgages Ltd, authorised and regulated by the Financial Conduct Authority No. 304155. There may be a fee for mortgage processing, the precise amount will depend on your circumstances but we estimate it will be £299. Your home(property) may be repossessed if you do not keep up repayments on your mortgage. Please note Buy to Let mortgages are not regulated by the FCA.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.

FIRST TIME BUYER

 

Buying your first home? You might find this experience may be a little daunting.

The challenge begins in finding your first property and selecting the most suitable mortgage, even selecting the right solicitor has an affect on how smoothly the whole process will run.

Apply Mortgages allows you to understand your options, and manage your expectations from the start of the process.

       

You may not have found a property just yet. Which is fine because facts and figures are a major factor to any mortgage, once these are assessed, advice is then given to help you select the property within your price range.

In the meantime below we have outlined some general information on mortgages for first time buyers, we hope you will find useful.

How Much Am I Able To Borrow ?

The amount of mortgage you are eligible to borrow is based on your income. Every lender has its own stress test, which is generated from your income and outgoings. It is our job to find you the most suitable deal available as each lenders criteria leads to them viewing your income differently. If you want an accurate budget call Apply Mortgages for a quick chat today as first time buyers have many options available to them.

Costs Involved?

There will be additional costs on top of your deposit that you may be expected to pay.

  • Stamp Duty - due to the recent changes, please feel free to contact us for up to date information.

  • Survey/valuation of the property (Some lenders offer this free within the product chosen).

  • Solicitor fee's 

Contact Apply Mortgages to find out how much these fees may be.

Found your dream home?

Thinking of moving house, need to know how much you can borrow? Moving home can be a very exciting time. Let us take the hassle out of finding the most suitable mortgage when you decide to move. Our Experienced Advisers will take you through all of the costs associated with buying and selling a property and help you budget for your move.

We have access to the whole of the UK mortgage market to find you the most competitive rates available.