With so much competition and pressure from agents, the home-buying process can be overwhelming for first-time buyers.
The process of buying a home can be overwhelming for the first time buyer, especially with so much competition and pressure from agents. MortgagesRM – Fee Free Mortgage Advisor in Doncaster can assist you to find the best mortgage for what you need and can act as a consultant to guide you through the buying process. When you are ready to purchase a property, it is always good to have an agreement in principle ready. Stephen Kerrigan, Mortgage Advisor in Doncaster can help with this.
We offer a flexible service that gives you the opportunity to choose how and when you want to get in touch with us. Whether that’s online, over the phone, or in branch – we’re here to assist whenever you need advice.
We have exclusive 90-95% First Time Buyer mortgages that make the dream of home ownership more affordable. Rest easy because our “Best in Market” mortgage promise guarantees you a competitive rate and exceptional service.
Come and see for yourself how we’ve helped thousands of first-time buyers just like you.
Contact our expert team for mortgage advice in Doncaster
We love helping all our customers, especially the ones who really need Mortgage Advice in Doncaster – it’s not just about finding a mortgage. It’s about the journey, we will hold your hand through the full process.
Purchasing your first home can be a little bit frightening, but we’re here to help with all the challenges of finding your perfect place.
Looking for a better mortgage deal? The process is often not as easy as it seems.
Thinking of selling your existing home and moving to a new home? It’s important that you try and budget well.
It is one of the most popular mortgage options available for those looking to invest in residential and rental properties.
To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call.
It depends on the size of your household income as to what mortgage you can get Some lenders use a multiple of your income others look at how much you can afford based on your income and outgoings. As a rough guide, a typical multiple is four times your income.
This figure could be higher or lower depending upon your individual circumstances and different lenders’ criteria.. Lenders who look at what you can afford base this on the number of people applying for the mortgage and any loans or debts that you have outstanding..
There are many lenders that offer excellent deals for first time buyers, which is why its a great idea to get someone such as us to research the market for you.
Based on your personal circumstances, Stephen Kerrigan, our Fee Free Mortgage Advisor, will calculate how much you can borrow. You’ll receive a clear explanation of the purchase process and any questions you may have.
We pride ourselves in offering our customers a first-class service from the moment you speak to one of our friendly & experienced Mortgage Brokers in Doncaster.
A minimum deposit is required for purchasing a property in Doncaster. High street lenders typically require a 5% deposit. A higher deposit may be required if you have had credit problems in the past.
Yes, however, you must submit at least one year’s worth of accounts. To compute the maximum mortgage, most lenders in Doncaster use your salary and dividend, while others may use your net profit.
Second mortgages are possible. This includes debt consolidation and home improvements. A second mortgage can also be obtained on a second property, but only if it is for the owner’s personal use, a family member’s use, a holiday home or a rental property.
It will take about an hour for our free mortgage consultation in Doncaster. Upon completion of your consultation, we can arrange an agreement in principle for you in about 24 hours. A formal offer takes about three weeks.
You must provide three payslips to prove your income if you are an employee. You will need to supply the latest 2 years’ accounts if you are self-employed in Doncaster. Additionally, you must provide proof of identity, address, and three months of bank statements.
An agreement in principle typically lasts between 30 and 90 days, but it can vary based on your lender. It is quite simple to renew an agreement in principle if it expires.
You can do it, but it will be harder. By putting down a higher deposit, perhaps 10% or 15% of the purchase price, you can demonstrate that you can afford a mortgage.