FIRST TIME BUYER
Buying your first home is a major step and it is vital you are able to consult with professionals you can trust. Trying to do it by yourself could cost you time and money. Manley Financial offer free advice to help you avoid pitfalls with no obligation.
We know buying a new home is very costly and we hope by not charging a fee for advice, this will help. We do this as we want to help people and build trust so you consider using us should you decide to go ahead with a mortgage application. Our service is to provide convenience to our clients, so we will work around you by meeting at the office or in the convenience of your home.
WE ARE ON YOUR SIDE
We work for you. Not a lender, not an estate agent, we only work for you. We will try our hardest to get the most appropriate mortgage and be by your side every step of the way. We have access to a large selection of lenders than if you went directly to your bank or building society.
There are some products designed to be attractive to First Time Buyer’s such as products that requires only a 5% deposit for people who don’t have lots of savings, or offer cash back on completion, free legals or a free valuation. It is important to weigh up the benefits of these against the overall cost of the mortgage. The benefits can equate to big savings particularly when you are buying a house.
Getting a mortgage is important, but it doesn't have to be complicated. We will handle every step for you, deal with all the paperwork and take away all the hassle. We will talk to you in detail about your situation and budget to work out the maximum funds you could borrow. This will help make sure you're looking for properties in the right price bracket.
We will explain all the documentation that will be required to put together to support your application. Once you've found a property, we will find your ideal mortgage and manage the application process for you. We will make it as simple as possible
We have a duty of care to you as a qualified mortgage broker. We will recommend a mortgage that best suits your circumstances and we will explain to you why the recommended mortgage is the best route for you. We are qualified to approach a comprehensive panel of Lenders in N.Ireland and the UK and we are experts in each Lender’s specific criteria which means we will be able to match you with the Lender that makes most sense.
In recent years, Lender’s criteria has tightened and as a result of this, it is important you use a broker who knows the ins and outs of what each lender is looking for in a customer.