First Time Buyer Mortgages

Imran Saddiq was from Iran and had only lived in the UK for two years. Although he had a permanent job in the UK he had no permanent right of residence. He tried a number of financial institutions but was told each time he needed permanent right of residence before they could even consider his application. The best he could get was an offer from one lender who told him if had three years residency they would lend him up to 75% of the value of a property.

Imran was recommended to Model Mortgages from a friend. They found him a lender who would give him up to a 90% mortgage on the basis he had lived in this country for at least one year six months and had a permanent job even though he had no right of permanent residence. Imran had a 10% deposit and a mortgage was arranged. He said " I am so glad my friend, who had also arranged his mortgage through Model Mortgages, pointed me in the right direction".

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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.

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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.