First Time Buyers in Rotherham.
With so much competition and pressure from agents, the home-buying process can be overwhelming for first-time buyers.
No Broker Fee
Pay no broker fee when you consult or get started with us.
Minimum Paperwork
Get with the process with very minimal paperwork and get the work done.
Best Market Deal
Getting the best market deal, also find the best deal from your current lender.
First-Time Buyers mortgage advice for homeowners in Rotherham.
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 Rotherham can assist you to find the best mortgage for what you need and can act as a consultant to guide you through the housing process. When you are ready to buy a property, it is always good to have an agreement in principle ready. Stephen Kerrigan, Mortgage Advisor in Doncaster can help with this.
MortgagesRM guarantees that you'll have the best first-time buyers service without needing to pay a fee.
We offer a flexible service that gives you the opportunity to choose how and when you want to get in contact with us. Whether that’s online, on the phone, or in our office – 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.
Have Any Questions?
Contact our expert team for mortgage advice in Rotherham
Our Services
Fast & Bespoke Mortgage Advice in Rotherham
All of our customers matter to us, especially those who are looking for Mortgage Advice in Rotherham – it’s not just about finding a mortgage. It’s about the journey, we will guide you through the entire process.
First Time Buyer
Purchasing your first home can be a little bit frightening, but we are here to help with all the challenges of finding your perfect place.
Remortgages
Looking for a cheaper mortgage deal? The process is often not as easy as it seems.
Moving Home
Thinking of selling your existing house and moving to a new home? It is important that you try and budget accurately.
Buy-to-Let
This can be one of the popular mortgage options available for those wishing to invest in residential & rental property.
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To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call.
We're rated 5 stars because we care.
How much can I borrow?
The size of mortgage you can get depends on your income. 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.. They will consider who is applying for the mortgage and any outstanding debts you may have.
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.
MortgagesRM provides a service that is 100% FREE from start to finish so you never have to worry about any “hidden costs”, and we are just a phone call away.
We promise to find the perfect home mortgage for you.
We’ll take care of all the work with your lender, solicitor, and surveyor so you don’t have to worry about it.
Last, but certainly not least, we’ll take care of all the paperwork.
Having a wealth of knowledge in the mortgage & protection market. We provide a service face to face or over the phone.
Home appointments?
No problem.
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 Rotherham.
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Frequently Asked Questions
How much deposit do I need for a mortgage?
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.
Can I get a mortgage if I am self-employed?
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.
Can I get a second mortgage?
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.
How long does the mortgage process take?
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.
What documents do I need to send you?
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.
How long will an agreement in principle be valid for?
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.
I have bad credit, can I still get a mortgage?
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.
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