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First-time buyers
Understand deposits, affordability, agreements in principle and the steps involved in purchasing your first home.
Buying your first home, moving house or reviewing your existing mortgage? Future Advice provides clear, straightforward guidance shaped around your circumstances.
Your mortgage is likely to be one of your largest financial commitments. Future Advice begins by understanding what you are trying to achieve, your present circumstances and the factors that matter to you.
Mortgage terminology, fees and conditions explained without unnecessary jargon.
Guidance through the application process and help responding to lender requirements.
We consider your circumstances before discussing the route that may be suitable for your next property or mortgage decision.
Understand deposits, affordability, agreements in principle and the steps involved in purchasing your first home.
Consider how your existing mortgage, sale proceeds, deposit and future borrowing may work together when moving property.
Review your current mortgage before its deal period ends and consider the available options, costs and implications.
Discuss borrowing for an investment property, including lender criteria, rental expectations and deposit requirements.
The right mortgage is not simply the lowest advertised rate. It is the mortgage that properly supports your circumstances and plans.
Future Advice — UK mortgage guidance
The process begins with a conversation. From there, we help you understand what may be achievable and the next practical steps.
Explain whether you are buying, moving, remortgaging or investing, together with your priorities.
Consider income, commitments, deposit, affordability and relevant lender criteria.
Review the mortgage features, costs, terms and reasons behind the recommended approach.
Receive practical support while the application is prepared, submitted and considered.
Email Richard with a brief outline of your mortgage or property plans. Please do not include passwords, bank details or highly sensitive financial information in your first message.
Mortgage availability and lending terms are subject to individual circumstances, status, affordability assessment, lender criteria and property valuation. Some forms of buy-to-let mortgage are not regulated by the Financial Conduct Authority.