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First Time Buyer Mortgage Advice in Rochester

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7 days a week, 8am - 10pm

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First Time Buyer Mortgage Advice in Rochester

Discover your borrowing potential and move closer to securing your dream home as a first time buyer in Rochester.

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Fast & friendly mortgage advice in Rochester

Are you a first time buyer in Rochester looking to buy a property? Look no further, we are here to guide you through your complete mortgage journey in Rochester.

We have been helping first time buyers in Rochester for over 20 years and we can utilise our comprehensive knowledge of the mortgage market to find the ideal mortgage deal for you.

Our goal is to offer fast and personalised mortgage advice to first time buyers in Rochester. We aim to work closely with you to fully understand your unique scenarios and formulate a bespoke mortgage plan.

You can arrange a free mortgage appointment with our mortgage advisors in Rochester online or by giving our team a call.

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First Time Buyer Mortgage Advice in Rochester

Book your free mortgage appointment online today

As a mortgage broker in Rochester, we possess an extensive range of lenders in our network, which empowers us to meticulously compare a broad spectrum of first time buyer mortgage alternatives for you.

This capacity permits us to identify the most relevant and advantageous deal tailored to your unique requirements and circumstances, regardless of whether you’re pursuing a mortgage from a high street lender or a specialist product from a distinct provider.

During your free mortgage consultation, our mortgage advisors in Rochester will analyse your financial status and investigate diverse mortgage products that could be appropriate for you. We aim to provide you with all the vital knowledge and assistance to make an informed choice and confidently secure your first mortgage in Rochester.

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Popular Mortgage FAQs in Rochester

How much can I borrow for a mortgage in Rochester?

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Subject to your credit rating, it’s usually possible to lend between 90% and 95% of the property’s price. Thus, you’ll need to supply a deposit ranging from 10% to 5% when arranging your first time buyer mortgage in Rochester.

Should you have poor credit, you might find that the total sum available for borrowing might reduce, signalling that a more substantial deposit would be required.

For help regarding your mortgage, please contact us for mortgage advice in Rochester.

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

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Are you finding it tough to scrape together sufficient funds for the deposit on your ideal property in Rochester? A government-backed mortgage scheme might be your golden ticket to bolstering your deposit and making your first step onto the home ownership ladder.

Our mortgage advisors in Rochester will delve into your available options with you, which could include Shared Ownership, Mortgage Guarantee, Lifetime ISA, and Forces Help to Buy.

These schemes are all finely tuned to meet the needs of various kinds of buyers, thus emphasising the need for a reliable mortgage broker in Rochester to lead you through this process.

Our adept team of mortgage advisors in Rochester possess deep knowledge of these schemes and can provide a thorough understanding of each one. We will stand by your side right from the get-go, starting with the initial application all the way through to choosing the scheme that perfectly aligns with your distinct specifications.

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

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We recognise that acquiring a mortgage can carry substantial costs, but what are the specific charges you’re shouldering?

You’ll need to budget for expenses like conveyancing fees, solicitor charges, property assessments, mortgage arrangement costs and broker fees. This is precisely why we’re here – to offer a comprehensive explanation of these outgoings, enabling you to make enlightened choices about your finances.

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Our Simple 4-Step Process

Book Online

Step 1

Schedule your free appointment online right away and embark on your journey to possess your ideal house as a mortgage broker in Rochester.

We have options available 7 days a week, including bank holidays.

Free Mortgage Appointment

Step 2

We will meticulously assess your personal and monetary situation. This will help us to pinpoint the perfect mortgage solution tailored to your unique needs.

As a mortgage broker in Rochester, our aim is to provide outstanding service tailored to your needs.

Finding a Suitable Product

Step 3

Following a comprehensive examination of your financial circumstances, we will navigate through 1000s of mortgage offerings to locate the ideal arrangement for you.

When we pinpoint a deal that aligns with your specific circumstances, we will provide you with our recommendation.

Submit Your Application

Step 4

Upon completion of your application, our team will forward it onto the mortgage lender on your behalf.

We'll keep you regularly informed as we progress, and manage all interactions with the lender, helping you to avoid unnecessary time commitments and worry.

Reasons to Choose Us For Mortgage Advice in Rochester

Free Appointment in Rochester

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As a reputable mortgage broker in Rochester, we provide a straightforward online appointment booking service which enables customers to conveniently arrange a free mortgage consultation at their most convenient time, irrespective of whether it's morning, afternoon or later in the evening.

Our Service

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As a mortgage broker in Rochester, we excel in helping first time buyers obtain a mortgage product that align with their individual financial circumstances.

Our professional team possesses comprehensive knowledge of the mortgage market, enabling us to furnish you with beneficial advice during the entire process.

1000s of Products

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We recognise that each person has unique financial situations and objectives, and this is the reason we provide a customised approach to locate the perfect mortgage for you.

Our main concern is to attain the most beneficial mortgage agreement for you, providing you with peace of mind and enabling you to concentrate on finding your perfect home in Rochester.

7 Days a Week

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We operate 7 days a week meaning you can contact us whenever it's most convenient for you. Should you wish to reach us on a weekend or even a bank holiday, we're available!

Malcolm and Amy Davidson - Mortgage Advice in London

We Search 1000s of First Time Buyer Mortgages in Rochester

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Common Mortgage Questions in Rochester

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

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Securing an Agreement in Principle (AIP) is a crucial step in the initial stages of the mortgage process. Our team can swiftly secure an AIP for you.

In fact, we are typically able to arrange an AIP within 24-hours following your free mortgage appointment!

Should your AIP expire, we are on hand to renew it immediately, simply reconnect with your mortgage advisor in Rochester, and they will be more than happy to sort it!

What are my first time buyer mortgage options in Rochester?

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As a mortgage broker in Rochester with a focus on helping first time buyers, we acknowledge the criticality of securing a mortgage that promises stable repayments during the first term. That’s why numerous first time buyers drift towards a fixed-rate mortgage, which guarantees a frozen interest rate for a determined duration.

However, should you favour a mortgage that mirrors the Bank of England’s base rate ups and downs, a tracker mortgage could be your perfect match. In this mortgage variation, your interest rate adapts accordingly, potentially facilitating cost cutbacks.

An alternative to consider is a discounted variable rate mortgage. This mortgage product allows you to capitalise on a decreased interest rate contingent on your lender’s standard variable rate, which is subject to change over the years. Our expert advisors will guide you through the intricacies of this mortgage type and help you work out whether it aligns with your demands.

I have bad credit in Rochester, can we help?

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If you have bad credit that is hindering you from acquiring a mortgage in Rochester, we advise that you stop applying for lots of different products online.

Each time you face a refusal, your credit is adversely affected, which may further reduce your likelihood of securing a mortgage!

We encourage you to consult with a mortgage broker in Rochester, such as ourselves, to discern which products are within your credit’s reach.

Mortgage Guides & 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.

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