FIRST TIME BUYER

MORTGAGE

IMPARTIAL ADVICE

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 advice to all first time buyers to help you avoid pitfalls with no obligation.

 

We aim to provide the best service to our clients, so we will work around you by meeting at the office, Zoom call or in the convenience of your home.

WE ARE ON THE SIDE OF FIRST TIME BUYERS

We work for you, the first time buyer, not a lender, not an estate agent, we only work for you. We will try our hardest to get the most appropriate first time  buyer mortgage and be by your side every step of the way. We have access to a large selection of first time mortgage 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.

PARTNERSHIP

Getting a first time buyer 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 first time buyer mortgage 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'RE QUALIFIED AS FIRST TIME BUYER MORTGAGE BROKERS

We have a duty of care to you as a qualified mortgage broker. We will recommend a first time buyer 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.

There will be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be £195 but may range from £0 to £495.

You will not receive a refund if your mortgage or loan does not go ahead but the fee paid will cover a second mortgage application if applied for within 6 months of the initial application.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE 

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK

Manley Financial is a trading name of K.G. Byrne and Associates Ltd. 

K.G. Byrne and Associates Ltd. is an Appointed Representative of PRIMIS Mortgage Network.

PRIMIS Mortgage Network is a trading name of First Complete Ltd which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products.

K G Byrne & Associates Ltd is registered in Northern Ireland. 

Registration Number is NI 43178 Registered Office - 48 Aughnacloy Road Banbridge BT32 5QG

© 2020 by Manley Financial.