First Time Buyer

Securing an amazing mortgage on your first dream house deserves a smile.

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So, you have been trawling through Rightmove for weeks trying to find the right house, on the right road at the right price. Then, like magic it appears… fantastic!

But, the pressure is now on to secure its if you think it’s a great buy chances are someone else does too.  A part of this process is being able to prove to the Estate Agent who is acting on behalf of the owner that you are in a position to proceed by having a Mortgage Agreement In Principle in place. We always recommend it’s good practice to get one of these in place before you start looking, not only does it give you a head start on your competition but you will also know exactly how much you can afford and what your payments are likely to be.

Good news, we can get you one of these pronto.

Unlike many high street banks we can look at the majority of lenders (Over 80) and find the perfect fit for you and your situation. A common misconception generated by comparison websites is that the best deal has to be the lowest rate, which simply isn’t always true. There are mortgage deals out there which could offer no survey fee which is ideal if your bidding on a popular property and concerned you may be outbid at a later date, thus losing your survey fee. There are lenders that offer free legal fees which can be really helpful if money is tight or you need to keep some money back to do some modernising of your new home. Which ever lender we source, our experienced team will make sure your first step on the property ladder is the right step.

Some things you may need to consider:

  1. From 21st November 2017, Stamp Duty Land Tax (SDLT) has now been abolished up to a purchase price of £300,000 in the UK for First Time Buyers. But, should your first property be worth more than £300,000 you need to remember that this tax cannot be added to your mortgage and is payable upon completion. More information on SDLT can be found here: https://www.gov.uk/stamp-duty-land-tax
  2. Like SDLT legal fees and survey fees typically aren’t added to your mortgage so you’ll need to make sure you have accounted for this is your budget.
  3. Be careful not approach several lenders and have credit checks (we won’t do one without your permission). This could effect your ability to secure a mortgage.
  4. There are different types of mortgages, the main being Fixed or Variable Rates. Find out more here.
  5. Buying your first home can take anything from 6 weeks to 18 weeks so prepare to be patient if their is a chain of homes in your purchase.

Our advisors will carry out a ‘cost of moving’ calculation to give you a idea of the fees you are likely to incur during your purchase.

Good luck!

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We would just like to thank you for all the hard work and time you have spend over the last few months arranging us a new mortgage deal . We will save so much .We are very thankful to Jo for securing us our first mortgage and enabling us to buy our l

Gareth & Amelia Melling, Wigan

Thanks, the move went well and we are now surrounded by boxes but excited about starting the next chapter of our life in the new house. Marianne and I would like to say a huge thanks to you and Ciaran for your help in arranging this mortgage and will

Russ and Marianne Green, St Helens

I would like to take this opportunity to recommend Sharon to anyone looking for a mortgage.  As a starting point I approached my bank of 20 years plus who offered me a deal which I thought suited the bank rather than my needs.  They told me to go a

Shaun, St.Helens

Hi Ryan, I am emailing to confirm that we will complete our re-mortgage with the Coventry Building Society on Tuesday. This will complete the application that will have taken exactly 3 weeks from when I first spoke to you I am emailing therefore, to

Shelley, Stockport - 30/11/2017

As first time buyers who didn’t understand the process of buying a house Lisa has been fantastic. She has talked us through every step of the way and has only ever been a phone call away for any questions that arose from us. We would definitely rec

Stephanie Arnold, 30/11/2017

We had recently purchased a house through Ashtons. We would like to express our thanks for the services we received from Ashtons, especially from Chris who arranged mortgage for us. We must admit that he is very patient and persistent to get a better

Suganthi , 28/11/2017

Just want to say a massive thank you to Premier Mortgages for helping us buy our dream home, Amy made the whole mortgage application stress free! We got a brilliant deal, which was fully explained and we were kept informed throughout every step of th

Victoria, 28/11/2017

I would thoroughly recommend Kev and the team at Ashtons Financial Services to anyone looking for a mortgage, life insurance and/or house insurance. Our house purchase had stalled due to delays with our building society and the need to go through lon

Ann, Warrington

Juliette and the team have gone above and beyond to help me and my partner get our first house. I am so impressed by how helpful and understanding they have been throughout the process. I spoke to Juliette on the off chance during my search for a mor

Rachel H, Newton-le-Willows - 07/11/2017

Just thought I’d drop you a quick email to say thank you for your wonderful service and helping us out massively in purchasing our first home together in Ashton. We couldn’t have done it without you and you explained everything so well and made s

Brad and Becky, Ashton - 06/12/2017

Just a quick note to say thanks for your help with the purchase of our house. You initial help in assessing affordability and finding us a great deal was simple, straightforward and took all the pain out of the process. As you know, the purchase of o

Nick Turner, Runcorn - 6/12/2017

My husband and I were worried that we wouldn’t be eligible for another mortgage due to past credit problems and earning less than we expected the last tax year. Joanne was really understanding and helpful; she talked us through all of our possi

Mrs P, Newton-Le-Willows - 05/01/2017

After getting knocked back by our bank at the final moment, my partner and I were at our wits end. A friend referred me to Jo at Premier. She called me back within 10 minutes and put me at ease straight away, that she would be able to sort something.

Lee M, Runcorn - 01/11/2017

Everything is completed now and I’m settled in to my new home on 17th November 2017. Thanks for the advice and prompt service you delivered. I will recommend you in the future.

Paul Davies, Great Sankey - 06/12/2017

Start your mortgage journey

We’ve got access to over 80 lenders, which makes purchasing or remortgaging your home straightforward and hassle-free.

Need something else? Call 01925 906 210

Premier Mortgages

60 High Street
Newton-Le-Willows
Merseyside
WA12 9SH

01925 906 210
hello@wearepremier.co.uk

AS A MORTGAGE IS SECURED AGAINST YOUR HOME, IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS.

Premier Mortgages North West Limited are directly authorised and regulated by the Financial Conduct Authority reference 556587. Registered in England and Wales No: 07673912. Registered Office: 143-147 High Street, Newton-le-Willows, Merseyside, WA12 9SQ. Calls may be recorded for training and monitoring.

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567.