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First Time Buyer Mortgages

Buying a house is one of the most important purchases you wil ever make, as a first time buyer the process can seem daunting. When you are looking for your first mortgage there are a vast array of products available from a wide range of sources.

If you're a first time buyer looking for a mortgage our team of mortgage advisers will assist you in finding the most appropriate mortgage to suit your individual requirements and will explain the costs involved at each stage of the mortgage.

In the current financial client the maximum loan to value available is 90%

Latest Mortgage Offer

4.99%

4.99% Discounted Variable Rate for 3 years, Max LTV 90%, Redemption Penalties 3% in first 3 years. APR 5.6%

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Andrew and Joanne

Andrew and Joanne were first time buyers who needed a 100% mortgage which in itself was not hard to achieve. The problem was the property they were buying was only £18,950. They went to mortgage adviser after mortgage adviser to be told the same thing. A 100% mortgage was no problem but the minimum loan they could do was £ 25,000.

They were about ready to give up when a friend advised them to try Model Mortgages. Not only did they get a 100% loan for £18,950 they were also advanced a further £1000 to cover solicitors fees and the valuation fee was only £1. On top of this they were given a 1% discount off the lenders variable rate for a year. Andrew and Joanne were so impressed with Model Mortgages they have since recommended three of their friends to them.

Get a decision in principal on a mortgage - complete our simple application form.

Claire Cornforth

Claire got a mortgage from Model Mortgages.

I would like to take this opportunity to say a big thank you for everything. We would like to thanks Rob, Murial and colleagues for the wonderful help and professional advice we have been given throughout.

My husband and I found ourselves in a very bleak situation. I was very much at ease when discussing this with Rob, and within a few days we had an offer on the table. My family is now looking forward to a fantastic future and our first holiday abroad.

Our lives have changed so much and it is all thanks to Model Mortgages. Thank you once again, we can now be debt free and hold our heads up high.

I would strongly recommend Model Mortgages to friends and family. We both look forward to using your company again. Well done.

Get a decision in principal on a mortgage - complete our simple application form.

Your home is at risk if you do not keep up your repayments on a mortgage or other loan secured on it, think carefully before securing debts against your home. Model Mortgages is a trading name of Homesavers Mortgages and Loans Limited. As indedependant mortgage brokers a fee may be charged where your requirements fall outside our normal criteria or where additional work is involved to obtain a mortgage for you or where no procuration fee is paid by lender. Normally we do not charge a fee but in these circumstances the fee will be £95 payable on application and Non refundable. We will advise you once we understand your requirements if we are going to charge a fee and we will explain this and provide details in writing.