Buying a home
At some point most of us need to borrow in order to buy a home. The mortgage market changes regularly, with lenders updating their criteria, rates and products, so identifying a suitable option can take time whatever stage you’re at on the property ladder.
Even when a lender looks promising, acceptance isn’t guaranteed. An application can still be declined after you’ve invested effort and cost, leaving you back at the start of the process.
You don’t have to manage the process on your own. My team and I will guide you through each step so you know what to expect and what your options are.
First, we’ll look at what you can realistically afford to pay each month for your mortgage and protection package based on your income and outgoings. I’ll then search the mortgage market to identify the most suitable options for your circumstances and those for which you are most likely to be accepted first time.
As part of the process I'll design a comprehensive protection package that builds on any employer benefits, to ensure that you have a way to maintain your mortgage payments and your lifestyle if anything happens to your health or income - so that you get to keep the home that you have worked so hard to afford.
At Blueprint Financial Solutions our focus is on clear communication and appropriate recommendations, so you can feel confident that everything possible is being done to secure a suitable mortgage.
Our Client Care manager and her team will liaise with solicitors, estate agents and mortgage lenders to ensure that things proceed in a swift and efficient manner and that you are kept informed every step of the journey, leaving you free to get on with other things.
Whether you're looking to buy your first home, dream home or simply looking to re-finance your current mortgage onto a new deal, we are here to help make the process simple and easy to understand.
I can also help with buy to let mortgages for both individual and Limited Company landlords, although you should be aware that some of these products are not regulated by the Financial Conduct Authority (FCA).
- Remember your home may be repossessed if you do not keep up repayments on your mortgage.