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  FIRST TIME MORTGAGE

Looking for your first mortgage? Where do you start? Well you have various options and choices. Most peoples first point of call would be there own building society or bank.

As you already have a relationship with them you would naturally assume they would look more favourably on you.

I’m afraid those days are long gone. It’s a case of “the computer says no”. All lending decisions are based on strict criteria and the mangers discretion has all but been taken away.

All the major high street lenders offer a full range of mortgages. Or you might choose a small society that could offer you the benefit of its local knowledge.

If your needs are out of the mainstream, you could go to a specialist lender. If, say, you are self-employed, your credit history is less-than-perfect or you want a buy-to-let mortgage, a specialist lender could offer the most suitable solution.

If you are confident in knowing exactly what you want, you could apply over the phone or, with some lenders, take out a mortgage online. Not many borrowers choose to do this, at least at present, and it is easy to understand why.

With over 8,000 mortgages on the market, from such a range of providers, there is plenty of choice, but you may well be unsure as to which deal is best for you.

We feel therefore that it would make sense to consult a mortgage broker. A “whole market” broker will have access to every single mortgage on the market.

They are experts, and can quickly find the best deal to suit your needs. So, rather than trawling the high street and agonising over your choice, you could save time and, in the long run, substantial amounts of money, by speaking to a broker and getting the very best deal for your needs.

Our brokers have computer access to every lender so can sift through them all for you in seconds.

We can help, simply complete our one minute form and a we can connect you to a broker and a great quote.