First Time Buyers

Your complete guide to borrowing to buy your first home

Whether you are a first time buyer, or someone who has moved home many times, we trust you will find this guide valuable. Moving to a new home is something most of us only do a few times in our life, so it is important to ensure we have a clear understanding of the process and our knowledge is up-to-date. This guide will help to clarify the terminology, benefits, risks and associated costs of borrowing to buy your new home.

Here to help you

Buying your first or next home can be stressful. There are many questions you will need to ask yourself regarding your choice of property.

Then come the mortgage related ones such as:

  • How much will it cost?
  • Can I afford it?
  • How much deposit will I need?
  • What type of mortgage do I want?
  • Will I get a mortgage?

The home loan market is complex. There are so many different mortgages to choose from.

So it’s good to know that, as your adviser, we are on hand to answer your questions. We will help you with the tricky process of not only getting a mortgage, but getting the right mortgage.

We take pride in offering a personal service that takes into account your individual circumstances. Your financial situation is unique, so we work hard to understand your goals and aspirations, and make financial recommendations based on a comprehensive and detailed analysis of your needs.

Our role is to:

  • ensure you do not waste money unnecessarily by paying a higher monthly amount than you need to for your borrowings
  • save you time and effort by recommending the most appropriate solution
  • stop you missing out on the most cost effective way of arranging your loan.

CONTACT US

 

 

 

This communication does not constitute advice and should not be taken as a recommendation to purchase any of the products or services mentioned.

Before taking any decisions we suggest you seek professional advice.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Please confirm you consent to us using cookies to help improve your experience on the Curchods Mortgage Services website.

Cookies are small text files placed on your computer/mobile device that remember your preferences and what you were searching for. Our cookies don’t collect any personal information. For more information please read our privacy policy, thank you

Curchods Mortgage Services is a trading style of Lifetime Wealth Management Limited, which is an appointed representative of Quilter Financial Services Limited, Quilter Mortgage Planning Limited & Quilter Wealth Limited, which are authorised and regulated by the Financial Conduct Authority and registered as 440703, 440718 and 217742 respectively. Lifetime Wealth Management Limited is registered in England and Wales, No:4631136. Registered Address: 12-14 Upper Marlborough Road, St. Albans, Hertfordshire, AL1 3UR. The guidance and information on this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

If You Are Unhappy With Our Service

If you have a complaint about your adviser, or any financial advice you have received from your adviser, please contact us: Quilter Financial Planning Complaints Department Quilter Sunderland SR43 4JP Email: QFPcomplaints@quilter.com Tel: 0808 171 2626 You can find more information by visiting the Quilter Financial Planning website: http://www.quilterfinancialplanning.co.uk/contacts. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (www.financialombudsman.org.uk)