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31/01/19

Tips for first-time buyers

If you’re a first-time buyer looking to get a 90% or 95% mortgage, then here are some top tips to make sure you get approved:

  1. Make sure you’re on the electoral role at your current address. If the lender can’t find you registered at an address it can reduce your chances of being accepted.
  2. It’s good to have a credit card to show you can maintain financial agreements, but make sure it’s not at its limit. Using the majority of available credit can have a negative effect onyour credit score.
  3. Keep up to date on all payments, not just credit cards, but also overdrafts, mobile phone bills and utilities. One late payment on your account could result in your application being declined.
  4. When the time comes to apply for a mortgage, the lender will want to see proof of your deposit. If it’s from savings, the lender will want to see a gradual build-up of funds. Any large deposits will need to be explained.

If you would like to discuss your options in more detail, contact us for a free initial consultation.

 

16/01/19

Benefits of a mortgage broker

We often get asked what are the benefits of using a Mortgage Broker?

  • Firstly, we act as your agent, so you don’t have to contact lender after lender looking for the best deal.
  • We have access to exclusive mortgage rates which aren't always available on the high street.
  • We assess your individual needs to ensure you are matched to the right lender, no nasty surprises further down the line.
  • We have access to lenders directly and have established relationships with them, no call centres or holding for hours.
  • We provide you with regular updates o the progess of an application and do the chasing on your behalf.
  • We also have ties with reputable conveyancers, life assurance and home insurance providers, we can offer you the whole package.

The article below highlights a number of the benefits. There is a lot more involved than you may think.

Read the full article

 

If you would like to discuss your options in more detail, contact us for a free initial consultation.

ciara@absolutelymortgages.co.uk | 020 8393 9222 | www.facebook.com/AbsolutelyMortgages