First Time Buyer Mortgage Advice in Bracknell

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Fast & friendly mortgage advice in Bracknell

Are you a first time buyer in Bracknell? Our online booking system makes it easy for you to book an appointment with our mortgage advisors in Bracknell. We will take the time to understand your individual circumstances and help you find the right mortgage tailored to your personal and financial situation.

When you work with a mortgage broker in Bracknell, you benefit from the experience and expertise of a professional who has access to the whole of the market. We will take the time to understand your needs and search through the market to find the best deal for you. We know that the mortgage process can feel a little overwhelming and stressful at times, that's why we try and make the process smooth and easy-going.

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First Time Buyer Mortgage Advice in Bracknell

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The amount of money you will need to put towards a deposit will be influenced by your credit score and the value of the property you are looking at purchasing. If your credit rating is good, you should be able to access better rates and be able to provide a lower deposit, usually around 5%.

For those with a lower credit rating, you will likely be offered lower rates and be required to pay a higher deposit, usually between 10-15%. The size of your deposit will also be impacted by the cost of the property you want to purchase. If you require a larger loan for a more expensive home, it is likely that you will need to increase your deposit.

As your mortgage broker in Bracknell, our team of advisors are here to help you find the right mortgage for you. To get started, book your free appointment today and we'll take care of the rest.

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Popular Mortgage FAQs in Bracknell

Are there ways to help me get onto the property ladder in Bracknell?

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Finding the right mortgage as a first time buyer in Bracknell can be a tricky process, especially if you don't know when to start. If you need some help getting onto the property ladder, it may be time to look at the government schemes available.

These schemes include the Help to Buy Shared Ownership Scheme, Mortgage Guarantee Scheme, and the First Home Scheme. These schemes were made to help first time buyers in Bracknell like yourself, to get onto the property ladder.

To see if you are eligible for these schemes, it is best to get in touch with one of our knowledgeable mortgage brokers in Bracknell.

What are the costs involved with first time buyer mortgages in Bracknell?

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We can help you understand all of the costs that come with buying a home, such as conveyancing and solicitor fees, property surveys, broker fees and mortgage arrangement fees. We will also discuss any insurance options that you may need to take out such as home, content or financial security.

In addition, depending on the property price you may need to pay Stamp Duty. Our mortgage advisors in Bracknell will be able to provide you with the information you need to make the best decisions for you.

What should I do if I have been declined by my bank?

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If you have been declined from your bank after applying for a mortgage in Bracknell. We would recommend that you do not keep applying as this could have a negative impact on your credit score.

Lenders will be able to see that you have been declined multiple times and it could lead to them asking you some questions further down the line. When a mortgage broker in Bracknell, they will never put you forward for a deal were you will get declined. This is why we recommend speaking with an expert rather than shopping around online.

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Our Simple 4-Step Process

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Step 1

As a first time buyer in Bracknell, you may be feeling overwhelmed by the process of getting a mortgage. Don't worry, we are here to help and take all of the stress away!

You can book your free mortgage appointment online with a mortgage advisor in Bracknell. We will pair you with an advisor that specialises in your situation.

Free Mortgage Apppointment

Step 2

During your free mortgage appointment, we will carry out an assessment of your personal and financial situation to get an idea of what sort of mortgage products you can access.

We will look at your credit, income, affordability and your deposit, trying to work out what is realistic for you as a first time buyer in Bracknell.

Finding a Suitable Product

Step 3

To find a mortgage product perfect for your personal and financial situation, we will search a number of different lenders, both high street and specialist to ensure you get the best deal for you.

Once we find a deal tailored to your circumstances, we will present you with it in the form of a mortgage illustration.

Submit Your Application

Step 4

If you are happy with the mortgage product, youā€™ll be assigned a dedicated case manager who will help prepare your mortgage application. They will make sure that you have all of your supporting documents in place.

Once everything is ready, weā€™ll submit your application to the lender and then all that is left to do is to wait for a response!

Reasons to Choose Us For Mortgage Advice in Bracknell

Free Appointment in Bracknell

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We offer a free mortgage appointments which you can book online for a date and time of your choice.

During your free mortgage appointment, you can speak to a mortgage advisor in Bracknell who will go through all of the different mortgage options available to you.

Search 1000s of products

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We have both high street and specialist mortgage products available across our huge panel of lenders. Your mortgage advisor in Bracknell will try and find the most appropriate product that tailors your needs as a first time buyer in Bracknell.

Our Service

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Our experienced mortgage advisors in Bracknell are here to help you make the right decision. We understand that getting a mortgage can be a daunting process; our job is to make the process as smooth and as stress-free as possible.

7 Days a Week

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We understand that everyone is busy and it can be difficult to find time to book in an appointment with a mortgage advisor in Bracknell. That's why our team are available 7 days a week, so you can book in a free mortgage appointment at a time that suits you. We also provide a flexible approach to our appointments and can arrange evening and weekend slots.

Malcolm and Amy Davidson - Mortgage Advice in London

We search 1000s of first time buyer mortgages in Bracknell

Fleet Mortgages
Paragon Mortgages
TSB Mortgages
Halifax
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BM Solutions Mortgages
Chorley Building Society
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HSBC
Nationwide
Skipton
Pepper Money
Mortgage Works
Coventry Building Society
Santander
Natwest Mortgage Advice
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Accord Mortgages
Aldermore Mortgage Lender
Beverley Building Society
Kent Reliance
Virgin Money & Mortgages
Leeds Building Society
Scottish Widows
Foundation Home Loans

Common Mortgage Questions in Bracknell

How much can you borrow for a mortgage in Bracknell?

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How much you can borrow will vary from applicant to applicant. It is all down to income, finances and overall affordability.

We have access to a comprehensive selection of mortgage lenders, enabling you to take advantage of the best rates and options available to you and your personal and financial circumstances.

Ready to make an offer on a property in Bracknell?

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Are you a first time buyer in Bracknell ready to make an offer on a property? As your mortgage broker in Bracknell, we can help you find the perfect deal for your new home.

Generally, it is highly recommended to get mortgage advice in Bracknell before making an offer on a property. If possible, it is best to do this 6 months before viewing properties, so you can obtain an understanding of the amount you are able to borrow.

How can I obtain an agreement in principle in Bracknell?

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As a mortgage broker in Bracknell, we can quickly help you obtain an agreement in principle (AIP). This document provides lenders with an idea of your financial circumstances and ability to secure a mortgage. It's a key step in the home-buying process, as it shows the seller that you're ready to move forward.

Our mortgage advisors in Bracknell are usually able to arrange an AIP for you within 24-hours of your mortgage appointment!

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UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk

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