A first time buyer in Brighton will typically be looking at a minimum deposit of 5% to put down towards a property. First time buyers in Brighton who are not in a chain can utilise this as a good bargaining tool for negotiating with the seller the price of the property you are looking to purchase. If you are uncertain of your eligibility but wanting to know your options to purchase your first home. Then speaking with one of our mortgage advisor in Brighton will be very beneficial.
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Having an agreement in principle will allow you to know the maximum amount you can borrow for a mortgage and also provide you with confidence as a first time buyer in Brighton, that you are in a position to proceed with your mortgage application. As a open and honest mortgage broker in Brighton, we can search 1000's of deal and have helped many first time buyers get onto the property ladder. To see how one of our mortgage advisors in Brighton can help you with your home buying dream, book your free mortgage appointment today.
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As long as you have never purchased a home before, you are then classed as a first time buyer in Brighton. If you are not a first time buyer but are living with a friend or partner who qualifies as such, then you should be able to jointly purchase a property under that classification.
First, you'll need to have saved enough for a sufficient deposit and qualify for a mortgage. Next, you'll need to hire a conveyancing solicitor to carry out the legal proceedings that come with buying a home. The good news is as a mortgage broker in Brighton, we are here to help you every step of your mortgage journey from initial inquiry to completion. Not to mention we check your eligibility, and we can search thousands of deals to find you the most suitable deal.
We tend to find that a high street lender will typically require you to put down a minimum of 5% of the property purchase price for your deposit. Bear in mind, putting down a larger deposit, for example anywhere between 10-25% of the purchase price, will lead you to wider and open you up to better mortgage deals.
The benefits of going to a mortgage broker in Brighton are our advisors can search through 1000s of deals to find the most suitable mortgage product for your circumstances. Whereas a bank is only able to supply you with their products. Back in the day, going to the bank was a more favorable choice, as the local manager knew your finances inside and out and would bear this in mind when offering mortgage products. This is no longer the case anymore and is all about finding the cheapest deal. By coming to us for expert mortgage advice in Brighton, our process can often be a much quicker saving you time and money. Here at UK Moneyman, we work alongside a large panel of mortgage lenders, allowing us to tailor your mortgage to your personal and financial situation.
There are a handful of government schemes available as a means of helping more first time buyers in Brighton get onto the property ladder. We tend to find, that the most popular schemes that we see first time buyers in Brighton making use of, have been the Help to Buy Equity Loan Scheme, which can help give you a boost to your deposit, and & the Right to Buy Scheme which allows tenants to purchase their rental property.
We understand that first time buyers in Brighton are entitled to a busy lifestyle, which is why we work around a time that suits you.
Our free mortgage appointments have no upfront fees payable. We only ask for payment upon mortgage success in Brighton!
From our mortgage administrator to our mortgage advisor in Brighton, you'll always know who you are dealing with and be kept in the loop at all times.
Stepping into the mortgage world for the first time can be a daunting experience. Our team of mortgage advisors in Brighton will hold your hand throughout your mortgage process.
We'll recommend the most suitable insurance products, should you become seriously ill or unable to work and keep up with your repayments.
As a mortgage broker in Brighton, we can find the most suitable mortgage deal for you - saving you time and money.
There is rarely a new situation that we haven't faced in the past, your mortgage advisor in Brighton will try their best to overcome any hurdles we face along your mortgage journey.
From the first initial contact to completion, your mortgage advisors in Brighton will help you with any mortgage hurdles that you face along the way, such as property survey and valuation problems.
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4.97 Rating285 Reviews
Hannah
The whole team at UK Moneyman have been so friendly and helpful, whilst also providing an excellent service and securing me a mortgage offer really quickly. Even when there were questions and changes, they went over and above to help and always came...
Sarah
Fantastic service from Tom Bowes
Brooke
Excellent service, great communication & highly professional
Khristopher
Malcolm and Meghan did a great job with my application which due to a chain breaking down had to be done for two different properties, was kept informed throughout and they made me aware of changes in the market i didn't know about. Would...
Hilary
Matt and Wendy worked tirelessly and creatively to reach a great mortgage outcome for me in what was a less than straightforward journey. The commitment and advocacy was fist class and communication, always excellent. Matt really earned his broker...
Nina
I'm very happy with the services UK Moneyman have been providing during my buying process so far. I'm a first-time buyer so it was very important to me to have a mortgage broker who could answer all my questions in a timely and...
Stuart
Great team who works to get you exactly what you need, they made the whole process smooth and painless, so I would highly recommend them.
Danielle
I honestly couldn't have asked for a better service with UK Moneyman! I have been working with Charlie and Wendy! They have been SO helpful throughout the whole process and so supportive, never a hassle for them when I've been bombarding...
Clair
Informative, friendly, helpful and efficient service.
Katie
Really glad I went with UK Moneyman for my first mortgage, explained everything to me so well and was always on hand when I needed them as I work long hours at weekdays so having appointments on the weekends was so helpful for me, would definitely...
Natalie
Tom and Chloe were super helpful with our first time mortgage. We had a couple of properties fall through but Tom was there to help and guided us through the whole process.
paul
I think anyone would have difficulty finding a more helpful and friendly Financial Advisor. We used them to find a suitable later life mortgage and their effort and persistence in the face of some difficulties (caused by our particular...
Anonymous
Good advice and a professional hand both made the process seem effortless. Full marks for a service and result!!
Christopher
Wayne and Paula have been very helpful in helping me purchase my first house would highly recommend them to anyone wanting a mortgage advisor! Wayne was also very flexible with time as I have very odd working hours and worked out a time for phone...
Carol
Excellent service, Tom and Lynsey were responsive and extremely helpful including in resolving issues of transferring the offer to another property when the seller of the first property I was buying pulled out.
Marco
It's the 3rd time I've dealt with the team at UK Moneyman, as before they have been informative, punctual, detailed and a pleasure to deal with. I couldn't reccomend them more highly.
Suzanna
Excellent communication from start to finish. Highly recommend.
Rasheda
Very friendly and provided all the information I needed.
Pauline
Very pleased with Allen’s professionalism , he was able to answer all my questions to my satisfaction
Paul
Excellent experience all around, used for two mortgages and will use again
Read our 285 Reviews
UK Moneyman Limited is Registered in England, No. 6789312
Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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UK Moneyman Limited is Registered in England, No. 6789312
Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
