First time buyer mortgages with money-saving offers and cash back

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Why Choose Ascot Mortgages

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13 Years experience as specialist brokers

Excellent customer service is at the heart of everything we do

Family-run business dealing with the most complex of products

100% customer satisfaction for finding the best deals on the market

First Time Buyer Mortgages Can Get You On
The Property Ladder

With so many deals to choose from, navigating the many different types of first-time buyer mortgages can be confusing. However, as a first-time buyer you can enjoy some great money-saving offers, with extras and incentives from cash back to 3-year fixed rates. Ascot Mortgages are the best mortgage brokers for first time buyers, as our service is impartial and brings you the best mortgages from across the market.

A First-Time Buyer Mortgage Broker Can Help You Choose The Right Mortgage Type

As a first-time buyer, you’ll have lots of questions about how to get a mortgage and which type suits you best. For example, should you choose a fixed rate, a discount, capped or tracker mortgage? This is why it’s worth seeing a first-time buyer mortgage broker. We can explain the different types of mortgage on the market and help you make an informed choice. Many First Time Buyers require a high loan-to-value (LTV) mortgage – These are mortgages purposefully designed for first time buyers who have a low deposit – for more information on our low deposit mortgages visit these pages: 90% LTV mortgage or 95% LTV mortgage.

We can help you understand the difference between various offers, and help you secure a mortgage that fits your circumstances. Here are some of the main mortgage types and ways to repay that you might want to consider:

  • Fixed – pay a set rate of interest for an agreed period.
  • Tracker – your interest rate tracks the Bank of England base rate and can rise or fall
  • Discounted – offers a small discount on the lender’s standard variable interest rate
  • Capped – your interest rate won’t rise above an agreed level for a set period of time
  • Current Account – combine a bank account with a mortgage, allowing you to make overpayments and receive daily interest changes
  • Offset – hold all of your other borrowings with the same lender

Specialist First Time Buyer Mortgage Advice

Getting on the property ladder is becoming increasingly difficult. There are several types of agreements tailor-made for first time buyers. Options include shared ownership, guarantor arrangements, shared ownership and the government’s own Right to Buy Mortgage Scheme, which was relaunched in 2012. 

If you’re looking to buy under a scheme designed for a first-time home buyer, then a traditional mortgage from a high street bank may not be suitable. This is because the process of buying can be different to a straightforward house purchase. This is why it’s essential to see a specialist first time buyer mortgage advisor, as they offer different products to suit the many different ways of buying a home.

A first-time buyer mortgage advisor can help you buy sooner

Looking to buy a home but struggling to raise a big deposit? With property prices on the rise, it’s getting harder than ever to raise a large percentage of a home’s purchase price. This is why it’s worth making an appointment with a first-time buyer mortgage broker. At Ascot Mortgages, we often work with clients who have a small deposit, yet don’t want to wait any longer to buy. As a first-time buyer broker, we can help find a mortgage of up to 95% LTV. 

If you’re a first-time buyer with bad credit, that may not be a problem. A first-time buyer mortgage advisor will be able to look at your finances and potentially match you to a suitable lender. Even if you’ve tried to apply for a mortgage and been declined, it’s worth speaking to a financial advisor for first time buyers who can offer you specialist advice on your situation. 

A broker can also help ensure you get the best deal. Being a first-time buyer doesn’t mean you have to endure high-interest rates. We ensure you get a great rate. 

Ascot can help you apply for a mortgage as a first-time buyer

When you apply for a mortgage as a first-time buyer, the process can be daunting. You may not know what to expect, be unsure of timescales, and not know what’s expected in terms of paperwork or ID. However, when you work with a first-time buyer mortgage broker at Ascot Mortgages, the process is much simpler and more straightforward. We’ve been helping first time buyers for years, so we know the ins and outs of the mortgage market and the process you’re likely to go through. 

A first-time buyer mortgage advisor can make the process of buying your home much less stressful and can even speed things up. When you’re applying for a home loan as a first-time buyer, it’s a good idea to get impartial advice from the experts, and Ascot Mortgages have helped many people in your situation over the years.

Make An Appointment With A Mortgage Advisor

Ascot Mortgages offer independent advice to help you navigate the first-time buyers mortgage market. It all starts with an appointment with a first-time buyer mortgage advisor who’ll be able to discuss the best type of mortgage to suit your situation and how you can begin the application process.

Ascot Mortgages are happy to provide a free, no-obligation appointment with a first-time buyer mortgage broker. All you have to do is contact us, and we can arrange for a call at a time to suit you. We can then discuss your needs and how to get you into your first home.

Using a remortgage to raise capital

Raising extra capital can be an inexpensive way to borrow when compared to other options. At Ascot Mortgages, we often work with people who want to remortgage to buy another property or need to raise money for any other purpose. It can sometimes be an easier option than taking out another mortgage. Our remortgage advisors would be happy to find products that would best suit your circumstances.

A debt consolidation remortgage can save you money

Remortgaging can also be a way to clear outstanding debts. Debt consolidation allows you to take advantage of low interest rates to clear debts such as loans and credit cards. Lower interest rates mean you pay back less, saving you money in the short and long-term. You may be worried that lenders won’t be willing to lend to you, due to your debts or perhaps having bad credit, but the good news is, we can help you remortgage a property no matter what your circumstances.

If you’re currently wondering ‘should I remortgage my house to pay off debts?’ one of the concerns you may have is that the repayments will be higher. Ascot Mortgages can help you find a fixed rate deal, so you know exactly how much the repayments will be each month, and you can then compare that to the debt repayments you currently make.

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Thinking of remortgaging your current home? Want to ensure you get the best deal? Make an appointment with a remortgage specialist at Ascot Mortgages. As a  broker, we have access to the best deals, and can match you to a wide range of financial products to suit your circumstances. No matter what your reasons for remortgaging, contact the team at Ascot Mortgages today and we’ll be happy to discuss your needs.

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