Mortgage Advice for First Time Buyers | InTouch Financial Advice

Are you a first-

time buyer

looking for a

mortgage?

Buying a home for the first time can be equal parts exciting and nerve-wracking – especially when it comes to the financial side of homeownership. With many first-time buyers not having the knowledge (needs to be on same line- not starting new line) and experience to get the right deal for their mortgage, taking those first steps onto the property ladder can be more expensive and complicated than you’d prefer. Expert advice and insight can make a world of difference when it comes to getting the right first-time buyer mortgage, and that’s exactly what our professional team at InTouch Financial Advice offers.

If you’re a first-time buyer looking for mortgage advice, InTouch Financial Advice is the ideal option for you. Our friendly, dedicated approach to walking you through the steps to your first mortgage is one reason why our clients recommend us. Our no broker fee approach sets us apart - allowing you to access expert support and insight for your first mortgage without additional costs attached.

STEP 1

Call our office Monday-Friday 9am-7pm, Sat-Sun 10am-6pm or request a call-back here.

STEP 2

We’ll help you identify affordability and make some recommendations based on your circumstances.

STEP 3

Let us obtain agreement in principle with the lender and submit the full application along with supporting documents the lender will require. Fully packaged applications and understanding the lenders processes is key to a smooth process.

With InTouch Financial Advice, accessing dedicated financial advice is easy. We have decades of experience in helping individuals, couples, and families to purchase their first home. Utilising our industry knowledge, expertise, and professional approach to financial advice, we could be the key to taking your first steps towards property ownership. Don’t let financial jargon and confusing processes dull your excitement - we’re here to lend a helping hand when you need it the most.

Got some questions?

With complex financial matters, you’re bound to have questions. Take a look at some of our most commonly asked ones.

Are you an independent adviser?

InTouch Financial aren`t independent advisers - but that shouldn't put you off. Because in most cases we are paid by the lender or provider. We don't offer you a limited solution to your mortgage or insurance requirements. Instead, we have plenty of different options, allowing us to advise you on the right service for your specific needs and circumstances.

How much will InTouch charge me for using your services.

Our service charter ensures that where possible we will elect to be paid by the lender or provider. Thus, ensuring your initial outlay is kept to a minimum. A core principle within the company. However, there may be circumstances where we will need to charge a fee. Typically , re-mortgaging to consolidate debt, repaying, or transferring an equity loan such as with Help to Buy. Your adviser will discuss if a fee will be needed.

Can you help me with my mortgage and my insurance?

Absolutely! Many of our clients return to us following mortgage advice to seek advice on life insurance or home insurance. We specialise in both areas, and we're well-placed to offer our expertise for mortgages and insurance separately or as a single package.

Do you complete the mortgage application for me?

Yes. We help you throughout the whole application process. Our extensive knowledge and expertise in the mortgage application process will ensure you get the right mortgage for your circumstances. This is one of the huge benefits to using InTouch Financial, we are by your side every step of the way.

Can you guarantee approval on a mortgage?

We only advise our clients based on the information they provide to us. As we are not lenders, we cannot guarantee that you will be approved based on our recommendation – especially if we aren't equipped with all the information. However, using our financial advice service for your mortgage will make it far more likely that you will be approved, as you have insight and knowledge going into the applications process.

Can you help me buy a house if I have bad credit?

One of our speciality services is adverse mortgages, which are mortgages designed for individuals with missed payments, poor credit or self-employment income. While we cannot guarantee you will be approved to buy a house, our professional mortgage advice can help you find mortgages that may work for you, regardless of your current circumstances.

Do you arrange my insurance for me?

We provide comprehensive advice and recommendations for a range of different insurances. Guiding you through the different cover types, only recommending what we feel is the right solution for your needs.

Mortgage Advice for First-Time Buyers