First Time Buyers

How We Can Help You Buy Your First Home

There are many questions you will need to ask yourself regarding your choice of property. Buying your first or next home can be stressful.

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• How much will it cost?

• Can I afford it?

• How much deposit will I need?

• What type of mortgage do I want?

• Will I get a mortgage?

• How long does it take to get a mortgage?

As experts in mortgages, we are on hand to answer your questions. We are here to not only help you get a mortgage but to get the most suitable mortgage for you.

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We take pride in offering a personal service that considers your individual circumstances. Your financial situation is unique, so we work hard to understand your goals and aspirations, and make financial recommendations based on a comprehensive and detailed analysis of your needs.

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Our role is to:

• ensure you do not waste money unnecessarily by paying a higher monthly amount than you need to for your borrowing

• save you time and effort by recommending the most appropriate solution

• help you to arrange your loan in the most cost effective way

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We work with over 100 lenders and thousands of mortgage products. Using a mortgage broker will ensure that you get the best mortgage deal for your situation, but you will also have the backing of a well-regarded property finance company (that’s us) fighting your corner to ensure the loan is agreed and processed efficiently. 

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We will handle the whole process from application right through to completion (the day you get your keys).

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We may be able to secure benefits for you including cashback & a free property valuation.

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We can recommend solicitors, surveyors, and other professionals that we trust and that will help you with your first home purchase.

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We are flexible and can speak with you in the evening and on weekends if appointments are difficult during the workweek. We will adapt how we work to suit your needs and your busy lifestyle.

Joint Borrower Sole Proprietor Mortgages

In a nutshell, this means you take out the mortgage with your parents or someone else (usually another family member) willing to have joint responsibility for the mortgage payments, but only you actually own the property.

All parties will have to meet the lending criteria and show that they can afford the repayments to be granted a mortgage and if one of you is unable to make the payments at any point the others are liable to pay the whole amount. Your family members are not co-owners and are not named on the title deeds so they don’t have any legal claim over the property or any increase in value.

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Getting help in this way means you might be able to afford a property when you otherwise wouldn’t or to afford a bigger or better property, as your family members’ income is taken into account along with your own. 

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They are essentially designed to help you with the mortgage payments temporarily until you can afford them by yourself. When you’ve come to the end of the initial deal period when early repayment charges no longer apply you may be in a position to switch to a mortgage in your name only.

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JBSP mortgages can also help you get a loan if you have no credit history or a low credit score. Once you’ve taken the mortgage out you can then build your credit rating by making the mortgage payments each month to show that you are a reliable borrower.