When you have decided to buy your first home, you might be wondering where to start; do you get quotes from Solicitors, apply for a mortgage, just start viewing properties?
The answer is, speak to me first before you do anything else; once I have completed a check on your financial picture, you will have the confidence of knowing that that you have passed the credit score and you will know how much they will offer you, which means you can start your search with the right target purchase price in mind and the full knowledge of what the monthly payments and other associated costs might look like.
I’m always happy to explain the purchase process in easy to understand terms so you’ve got a clear idea of what happens at each stage.
I’ll be happy to do a no-obligation ‘Decision in Principle’* for you.
*Jargon alert -Otherwise known as a ‘Mortgage in Principle’ or an ‘Application in Principle’ – basically this is a pre-application with a bank involving a credit check so that you are pre-agreed and accepted by a bank, subject to finding a suitable property and having an underwriter check what you have told them.