First Time Buyer Mortgage Advice in Epsom

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Fast & friendly mortgage advice in Epsom

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

Our mortgage advisors in Epsom have access to 1000s of mortgage products that they can search through on your behalf. On panel, we have access to both high street and specialist mortgage products.

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First Time Buyer Mortgage Advice in Epsom

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A good credit score could open up access to better rates and a lower deposit, usually around 5%. Those with a lower credit rating may be offered lower rates and be required to pay a higher deposit, usually between 10-15%. The size of your deposit may also be impacted by the cost of the property.

As your mortgage broker in Epsom, we are dedicated to helping 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 Epsom

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

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If you are struggling to save for a mortgage deposit in Epsom, you should know that there are many different government schemes available for first time buyers in Epsom that can help you get onto the property ladder.

Some of these schemes include the Shared Ownership Scheme, Lifetime ISA, Mortgage Guarantee, First Homes Scheme and many more. To see the list of the currently available Government schemes, head over to OwnYourHome.gov.uk and see whether there are any that are right for you.

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

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There are many different costs associated with buying a property in Epsom, some that you may not be aware of. We will be able to provide you with a breakdown of all the costs associated with your mortgage and how they affect your mortgage process.

These costs can include conveyancing and solicitor fees, property surveys, broker fees and mortgage arrangement fees. As a first time buyer in Epsom, it is unlikely that you will have to pay stamp duty tax on your purchase.

How does the mortgage process work as a first time buyer in Epsom?

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We will start by understanding your current financial situation and your long-term financial goals. We will then use our expertise to find the most suitable mortgage deal on the market for you and your new home. This deal will be tailored to your individual circumstances. If you are happy with the mortgage deal, we can begin to prepare your mortgage application.

Our team of mortgage advisors in Epsom have a wealth of knowledge and experience in the mortgage market. We understand that the first time taking on the mortgage process can seem daunting and complicated, and that's why we are here to offer a helping hand!

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Our Simple 4-Step Process

Free Mortgage Apppointment

Step 1

Our team of experienced mortgage advisors in Epsom will be able to assess your situation, advise on your options, and answer any questions you may have.

Getting a mortgage is a big responsibility, so we are here to make sure you understand the process and everything that comes with it. During your appointment, you'll have the opportunity to ask any questions and understand all of the details.

Finding a Suitable Product

Step 2

We will take into account your credit score, income, affordability and deposit, ensuring that we find the product that best meets your needs.

Our team of mortgage advisors in Epsom can search 1000s of deals in order to find the most appropriate product for you and your first home.

Preparing Your Application

Step 3

Once we have identified a mortgage product that fits your unique financial and personal needs, we will provide you with a mortgage illustration, enabling you to see the details of the offer.

If you are happy with the mortgage product, we can begin preparing your mortgage application! From this point, you will be handed over to a dedicated case manager.

Submit Your Application

Step 4

Once everything is in place, we'll submit your application to the mortgage lender. All that is left to do from this point is to wait for the lender's response.

Once we hear back from the mortgage lender, we will be in touch right away to inform you of the good news!

Reasons to Choose Us For Mortgage Advice in Epsom

Free Appointment in Epsom

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Are you a first time buyer looking to purchase property in Epsom? We are a mortgage broker in Epsom and our job is to help you through your entire mortgage journey. We offer a free appointment with one of our knowledgeable mortgage advisors in Epsom, where you can discuss your mortgage requirements and have any questions answered.

At your free mortgage appointment, you can explore the different mortgage options available to you in Epsom. Our team will explain the process and help you find with is the best mortgage route for you to take based on your personal and financial situation.

Search 1000s of products

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We have access to a broad range of lenders ā€“ both high street and specialist ā€“ providing a wide selection of mortgage products. Our mortgage advisors in Epsom are experienced in finding the perfect mortgage deal for first time buyers. We'll work with you to identify the most suitable product that meets your individual needs.

We will take the time to understand your circumstances and explain the different mortgage options available to you. We'll help you understand the implications of various mortgage products, from interest rates to repayment terms. We'll also provide advice on how much you can afford to borrow and the amount of deposit you'll need.

Our Service

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Our experienced mortgage advisors in Epsom are here to help. We understand that buying a home is a major financial and life decision, which can feel overwhelming. Our goal is to make the process as stress-free and straightforward as possible.

Getting the right first time buyer mortgage advice in Epsom is essential and can help you understand the mortgage process much easier. Our job is to make your time getting a mortgage easier and the process stress-free.

Check out our amazing customer reviews and take a look at how other first time buyers in Epsom have valued our service.

7 Days a Week

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We understand how busy life can be, which is why our team of mortgage advisors in Epsom are available 7 days a week. We make it easy for you to select a date and time that you need, and offer a range of flexible appointment slots; including evenings and weekends.

If youā€™re looking for a mortgage advisor in Epsom, book in a free appointment with us today. We can't wait to hear from you!

Malcolm and Amy Davidson - Mortgage Advice in London

We search 1000s of first time buyer mortgages in Epsom

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Common Mortgage Questions in Epsom

How much can you borrow for a mortgage in Epsom?

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Our mortgage advisors in Epsom can help you work out how much you are able to borrow for your first time buyer mortgage. We will look at your personal and financial situation to work out an accurate figure for you.

If you want a quick answer, turn to our free mortgage calculators to work out how much you can borrow. We have how much you can borrow, stamp duty and repayment calculators.

Looking for an agreement in principle ahead of your mortgage in Epsom?

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As a mortgage broker in Epsom, we can swiftly help you get an agreement in principle (AIP). This document gives lenders a glimpse of your financial situation and your capacity to obtain a mortgage. It is an important part of the home buying process, as it demonstrates to the seller that you are ready to proceed.

Our mortgage advisors in Epsom can usually arrange an AIP within 24 hours of your free mortgage appointment! Agreement in principles usually last between 30 and 90 days; if it expires, you can easily renew it by reaching out to our team.

Struggling to get accepted for a mortgage in Epsom?

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We have helped many first time buyers in Epsom that are struggling to get accepted via their bank. Each bank has different lending criteria and not every applicant will qualify for every mortgage product.

As a mortgage broker in Epsom, we are able to access both high street and specialist mortgage products. If you are struggling to get accepted for a mortgage, this may be down to your credit score a different problem. Let us take a look at your mortgage situation and see whether we can help!

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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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