First Time Buyer Mortgage Advice in Maidstone

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Fast & friendly mortgage advice in Maidstone.

Helping first time buyers in Maidstone. Mortgages are a big commitment in terms of finances, and so it can be daunting for a first time buyer in Maidstone to begin the process. As we offer expert mortgage advice in Maidstone, we aim to reduce your stress levels and guide you throughout the mortgage process.

It is not only about the mortgage, but also the journey to getting there. We will do our utmost to make it simpler for you, and keep you updated along the way. You will have a mortgage broker in Maidstone with you from the start until the end.

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First Time Buyer Mortgage Advice in Maidstone

Book your free mortgage appointment online today.

How much deposit do I need for a first time buyer mortgage in Maidstone? This depends on your credit rating, as well as how much you want your monthly mortgage payments to be.

As a mortgage broker in Maidstone, I usually find that first-time buyers in the area with a good credit score can access better rates and put down a lower deposit, such as 5%.

Conversely, if you are a first-time buyer in Maidstone with a lower credit score, you may only be able to access lower rates and be asked to put down a higher deposit, such as 10-15%.

You may also want to put down a greater deposit if you want to reduce your monthly repayments. The less you need to borrow, the less you need to pay back in total.

The amount of deposit you provide will also be determined by the value of the property you buy. If you require a bigger mortgage for a more expensive property, you will need to put down more deposit.

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Popular Mortgage FAQs in Maidstone

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

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If you are unable to put together the necessary down payment, there are some government-backed mortgage schemes that could be of assistance. These schemes were introduced to help first-time buyers to purchase a property.

The schemes available include the Help to Buy Shared Ownership Scheme, the Mortgage Guarantee Scheme, the First Home Scheme and a few others. However, you will need to be eligible for each of these schemes. This is where a knowledgeable mortgage broker in Maidstone can help.

For more advice on mortgages for first-time buyers in Maidstone and to discuss any of the government-backed mortgage schemes that may be of benefit, book a free mortgage consultation and talk to a mortgage specialist in Maidstone today.

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

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Along with the deposit you have saved, there are additional costs to think about, such as conveyancing and solicitors fees, property surveys, broker charges, and mortgage arrangement fees.

You may also have to take into account stamp duty, as well as any insurance (which would protect your home, contents or financial security) that you can choose to take out.

Your devoted mortgage broker in Maidstone will be able to go into more detail about any extra costs during your free initial mortgage consultation.

What do I need to buy my first home in Maidstone?

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In order to be eligible to purchase your first residence, you must have saved up enough for a minimum of a 5% deposit. This will enable you to secure a mortgage as a first-time buyer in Maidstone. You will also need to enlist the services of a conveyancing solicitor to take care of the legal aspects of purchasing a property.

We are here to provide you with support throughout your journey as a mortgage broker in Maidstone. Our mortgage advisors are available to check your eligibility and offer you the most appropriate first-time buyer mortgage in Maidstone.

What type of first time buyer mortgages can I get in Maidstone?

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Are you a first time house buyer in Maidstone? There is a range of mortgages available to you, each with their own advantages. A fixed-rate mortgage is a popular choice, allowing you to secure a set rate of interest for an extended period of time, shielding against any potential rises.

Tracker mortgages, on the other hand, are linked to the Bank of England base rate, so if it rises, so too do your interest rates. Discounted variable rates offer a more affordable option, although they may be subject to changes in the lender's SVR.

Finally, an offset mortgage gives you a flexible, interest-free savings account to offset the balance of your mortgage, reducing the amount of interest you pay as your savings increase.

For more information about the different types of mortgages available to you, and to find the one that is most suitable for your needs, book a free appointment with one of our mortgage brokers in Maidstone today.

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Our Simple 4-Step Process

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Step 1

Regardless of your circumstances, it is always a good idea to speak to a specialist mortgage broker in Maidstone to gain a better understanding of the mortgage products available to you. The broker will be able to provide tailored advice and will be able to guide you through the entire application process.

No matter what your requirements are, we suggest consulting with an experienced mortgage advisor in Maidstone. During your free initial appointment, they will take key information surrounding your income and expenditure to determine the maximum amount you can borrow for a first-time buyer mortgage in Maidstone.

Free Mortgage Apppointment

Step 2

We are the most experienced mortgage broker in London, with over 25 years of experience in the business. We guarantee that you will receive the best advice from our qualified advisors, so why not choose us for your needs?

At Londonmoneyman, we search 1000ā€™s of first time buyer mortgage products to find the most suitable deal for you! After a 24 hour free initial appointment, we strive to get you a mortgage agreement in principle to back up the offers you want to make in Maidstone.

Finding a Suitable Product

Step 3

Once your offer has been accepted, your mortgage broker in Maidstone will submit your complete mortgage application and furnish all the necessary paperwork to the lender.

Throughout this procedure, your devoted case manager will keep you informed all the way through until you receive your official mortgage offer and finalise your purchase.

Submit Your Application

Step 4

At our brokerage, we take pride in going above and beyond. Not only will we source the most appropriate mortgage for you, but we will also suggest any relevant insurance to protect you and your family.

Furthermore, when it's time to renew your mortgage, we'll be sure to contact you in order that you remain on the optimal deal.

8 Reasons to Choose Us For Mortgage Advice in Maidstone

Free Appointment in Maidstone

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We have some fantastic customer reviews from other first time buyers in Maidstone who came to us for mortgage advice in Maidstone, and they are a great representation of the levels of service we provide. When scheduling your free mortgage appointment, have a look to see what our customers said and to understand how we can help you as well!

Search 1000s of products

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As an open and honest mortgage broker in Maidstone, we are able to search through many competitive mortgage products on your behalf. We have a wide range of lenders and are able to discover the ideal one for your mortgage requirements! Our experienced advisors will also be able to guide you through the entire process to ensure a successful outcome.

Our Service

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For many years, we have been providing mortgage advice to first time buyers in Maidstone. We are dedicated to helping you achieve your mortgage goals and have plenty of experience dealing with a range of similar and unique mortgage situations. With our fast and friendly service, we will strive to find the most suitable product for you. You can easily book a free appointment with us online, using our straightforward booking feature.

7 Days a Week

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Our team is available 7 days a week, even including bank holidays and weekends. This means that if you are a first time buyer in Maidstone, you can book an appointment with a mortgage broker in Maidstone at a time that suits you, even if it's outside normal working hours!

Malcolm and Amy Davidson - Mortgage Advice in London

We search 1000s of mortgage deals in Maidstone

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Common Mortgage Questions in Maidstone

How much can you borrow for a mortgage in Maidstone?

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Are you trying to work out how much you can borrow? Our affordability calculator can provide you with an idea, or you could talk to one of our mortgage brokers in Maidstone to get a more accurate estimation. It all depends on your individual circumstances, such as your income, that will influence how much you are able to borrow. We will be able to provide you with an accurate assessment after our free affordability evaluation.

Ready to make an offer on a property in Maidstone?

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Once you have identified a property that is of interest to you, the next stage is to arrange a free mortgage appointment. Our expert mortgage broker in Maidstone is available to provide you with knowledgeable advice and assistance. Appointments are subject to availability, but if you're lucky, you may be able to get one for the same day.

Has your offer already been accepted in Maidstone?

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Once your offer has been accepted, you'll need to get your mortgage sorted. Calling on the help of an experienced mortgage broker in Maidstone can make the process much quicker. They can provide advice and act as an advisor to ensure you're getting the best deal possible.

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

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A mortgage broker in Maidstone can be a great asset to have on your side when looking for a mortgage. An experienced broker can provide advice on the best mortgage products for you and help to speed up the application process. They also have access to exclusive mortgage deals that you may not find elsewhere.

A mortgage advisor in Maidstone can provide invaluable support throughout your journey to finding the best mortgage deal for you.

Struggling to get accepted for a mortgage in Maidstone?

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If you're a first-time buyer in Maidstone, getting on the property ladder can be a daunting process. To make things easier, why not get in touch with a mortgage broker? Our team of experts are here to hold your hand and walk you through the mortgage process.

Schedule your free appointment and get advice from a knowledgeable mortgage broker in Maidstone today.

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Londonmoneyman.com & Londonmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

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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