Buying your first home
If you’re ready to leave renting behind, we can help get you on to the property ladder with a tailored first time buyer mortgage.
Our specialist mortgage advisers will help you find answers to questions such as ‘how much can I borrow?’ and ‘how much do I need for a deposit?’.
We’ll explain the different types of mortgage on offer, helping you find the one that’s right for you,
and give you a clear picture of the total cost of your big move, from Land and Buildings Transaction Tax to ongoing affordability factors such as insurance and council tax.
We have a dedicated mortgage advisory team at McCrea Mortgages who are here to make the whole process run as smoothly as possible, from application to moving day.
How we can help
As an independent adviser, we have access to the whole of the mortgage market, including some exclusive deals you won’t find by going direct. Based on a thorough discussion of your circumstances and priorities, we’ll sift through this unrivalled selection to find the mortgage deal that works for you.
Our decades of experience in providing first time buyer mortgage advice mean we can simplify the process from start to finish. Whether you need clarity on lenders’ differing criteria for gifted deposits, advice on how a parent or family member can make payments on your behalf if you become unable to make your payments by having a guarantor mortgage, assistance finding a conveyancing solicitor or help completing the required documentation, we’re here to help.
Our help doesn’t stop when you book that moving van. Our holistic approach to your finances means we can also talk you through your protection options, making plans to maintain your mortgage if you were unable to make payments due to illness, injury or any other change to your circumstances. We’ll also contact you as you reach the end of your fixed term period and assess whether you could benefit from our help in easily switching to another mortgage product or provider.
To find out more about the options open to you, get in touch for a free no-obligation consultation with our mortgage specialist today.