Buying your first home is an exciting milestone, but exploring the mortgage market as a first time buyer can feel overwhelming. At Blueprint Financial Solutions, our first time buyer mortgage advisers support clients in Gloucestershire and across the UK by simplifying the process, from assessing your needs to finding the most suitable mortgage options.
Mortgages for First Time Buyers
The prospect of buying your first home could be both daunting and confusing. Our aim is to guide you through the process from start to finish so that you understand exactly what the purchase entails and how much it will cost.
The mortgage market changes all the time, not just in terms of mortgage deals and regulations but also in the way lenders assess loan applications.
Some of the changes have been in the way mortgage lenders assess the suitability of all clients for the different types of loans on offer. They base this decision on a variety of factors, primarily:
- The property – type, condition, access and location
- Employment status – amount and frequency of income (and time in your current role)
- Financial commitments – current and future (and your history of managing credit).
There is now more focus on affordability and expenditure. This is very different from the traditional approach of simply multiplying your annual personal (or rental) income by a pre-set multiple to obtain a maximum lending amount.
We pride ourselves on being up to date with regulation, legislation, and the economic market.
We understand your needs, match them to the requirements of lenders, and protect you and your dependants once you have bought your property.
This way, we help you save time and money in the new world of mortgage advice.
Getting on the ladder
A significant advantage to being a first-time buyer is that there is no chain, making a first-time buyer more appealing to sellers.
As we have access to many lenders, we are well-placed to assist you
We’re committed to making your journey to homeownership smooth and straightforward. Serving first time buyers in Gloucestershire and across the UK, we offer support and access to a wide range of lenders, ensuring that your mortgage aligns with your budget and future. Contact our team today to get started.
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