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We access the whole of the mortgage market to find the best mortgage to suit your needs. Here are just a few of the lenders we use.
If you are a first-time buyer, buying your first home probably feels just as scary as it is exciting.
Much of the information you’ve received may be confusing, and you’ll get different messages from different people.
That’s because everyone’s situation is different.
We understand the need for independent advice from someone who understands your situation so they can offer you expert advice that helps you to be in the best possible position to turn your dreams into reality.
Whether you are ready to buy your first home now or just want to know more about the process for the future, our First Time Buyer Mortgage Advisor is ready to help you every step of the way.
Our First Time Buyer Mortgage Adviser will help guide you through every step of the process and our service is free of charge until the point when you have found a property and you are ready to apply for your mortgage.
An agreement in principle is a certificate, issued by a mortgage lender, that gives an Estate Agent confidence that you are able to get the mortgage you need to buy the home you are looking to buy.
When you’ve seen the ideal place to buy, you’ll need to make your offer to the Estate Agent.
The Estate Agent will want your ID, Agreement in Principle, proof of deposit and details of the solicitor you will use to do all the legal work.
When the offer has been accepted, the Estate Agent will issue a document called a “Memorandum of Sale” that gives the seller’s details as well as yours, the solicitor’s details and the property address and amount you have agreed to pay.
When the bank has approved your mortgage application, you will receive a “Mortgage Offer.”
The mortgage offer will typically be valid for six months and sets out the terms of the mortgage you have applied for.
When you have your mortgage offer, and all of the legal work has been completed, your solicitor will “exchange contracts” with the seller’s solicitor.
This is the point at which you will sign contracts, pay your deposit, and agree on the date when you will get the keys to your first home.
This is the day you’ve been waiting for, and you will collect the keys to your first home.
Your mortgage starts today, and you will arrange to take meter readings to make sure you only pay for the gas-electric and water that you use from today.
We love to hear what our customers have say about us, it’s not only great for us to hear but we understand the feedback we receive also helps others decide if we are a good fit for you or not.
We are so grateful to Nick for the amazing work he did in helping us to get our mortgage as first time buyers. It can be such a stressful time to go through but he remained positive throughout and made sure that he found us the mortgage that was right and affordable for us. We could not be more happy to be in our first home and would highly recommend anyone who is looking for a friendly, approachable, honest and hard working mortgage advisor to not hesitate to contact Spolton mortgages. Lovely personalised service.
There is no charge for our service until you receive a fully approved mortgage offer. Then there may be a charge which, depending on your circumstances, will typically be £199 on receipt of an approved mortgage offer and no more than £100 when the mortgage starts.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Spolton Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. Spolton Mortgages is a trading name of Spolton Ltd. Registered Office: Spolton Ltd, 72 Finch Drive, Sleaford, United Kingdom, NG34 7US. Registered Company Number: 10903440 Registered in England & Wales.