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First Time Buyers

First time buyers will often see the purchase of their first home as an equally exciting and daunting prospect. Fairview Financial are in hand to make this process as straightforward as possible. You will be happy to hear that our advice is free. We know how many costs are involved when buying your first house so we will not charge any broker fees to First-Time Buyers.






First time buyer mortgages

To purchase your property, we must firstly analyse the basics, these include:

• Your income(s). which can be particularly more complicated if you are self-employed

• Your monthly outgoings

• Credit history and which lenders are the most flexible

• Property type and the type of valuation you wish to pay for

• Stamp duty liability, estate agent costs, solicitors fees

• Mortgage protection to ensure you do not lose your home

All of these considerations and more are fully explained in our conversations with you right from the outset. From this point, the Fairview Financial independent status is more important than ever, to offer the best combination of mortgage, protection products, solicitors and home insurance tailored to you only. Fairview Financial will work tirelessly on your behalf to ensure that we secure the most cost-effective finance for your situation to enable you to purchase your first property. And remember, we do not charge any fees to First-Time Buyers for our services. 

You can also talk to us about first time buyer schemes such as help to buy and 95% loan to value mortgages. Fairview Financial are able to work by email, phone or in person to suit your needs and your busy lifestyle.


MAKING THE MORTGAGE PROCESS EASY FOR YOU

Fairview Financial are here to make your first time buy as smooth as possible via the following steps:

• Initial discussion to cover your current situation and tell us what your plans and goals. As a First-Time Buyer, you will not pay us any fees for our services.

• We search across the whole of the market for you and make the recommendation.

• We obtain an agreement with the desired mortgage provider and you are then free to place offers on property.

• You have an offer accepted. We then submit the mortgage application and Fairview Financial handle the whole process right up until you move in.

This period of time can often be fraught with obstacles, but Fairview Financial will oversee the process, keeping you fully informed every step of the way. 

It is vitally important to protect your new home and your mortgage. Again, we will offer you expert advice, clearly explain your options and help set up your policy. We can also recommend conveyancing firms who will be able to provide the legal advice you will also need. 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.






Fairview Financial can review your current mortgage at no cost. We have access to thousands of remortgage deals.

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