First Time Buyer Mortgage Advice

At John Charcol we understand that buying your first home is a very stressful experience, perhaps today more than ever (although now at least you won't have to find stamp duty if you buy for less than £250,000).  Many of the first time buyers we speak to are not only nervous about buying, they are also not even sure they can get a mortgage, particularly in these austere times, let alone one of the best mortgages available.  At John Charcol, our expert, independent advice is all about de-stressing the whole process and making it as easy as possible, so pick up the phone and give us a call to find out your best mortgage options.

Of course, getting a mortgage offer is merely the start.  The paperwork; the time; the constant phone calls to estate agents, solicitors, accountants; the list is almost endless.  The good news is that when you arrange your mortgage with John Charcol we will take all the stress away by doing much of the liaising with aforementioned solicitors and estate agents on your behalf.  Joining up the whole process and connecting these different firms and people is at the heart of our service.  We’ve been doing this for 35 years and we are confident that everyone can benefit from our expert, objective, independent advice.  We will ensure:

  • You’ll understand the best mortgage options available to you
  • You’ll get the mortgage that is right for you
  • You don’t need to worry about organising it – we’ll take care of that
  • You’ll always be up to date with what we are doing for you
  • At the end you’ll get the best possible outcome
  • And beyond that we’ll stay in touch and always be ready to help

We are so confident we can show the value of our advice that we think you will come back time and time again, building a relationship that will last a lifetime.  If you get your mortgage right first time, and you will with us, chances are you will get it right every time.  So call us and tell us about what you would like to do.

Terms & conditions

Your initial mortgage consultation is obligation free. There will be a minimum fee for our mortgage service of £450, of which £150 is payable when you apply, and we will retain the commission from the mortgage lender. Alternatively, you can choose the fee only option which is typically 0.65% of the amount borrowed. The precise amount will depend on your circumstances and mortgage loan amount, and will be discussed and agreed before you make a mortgage application.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT

Legals

John Charcol is a trading style of Towergate Financial (West) Ltd, which is authorised and regulated by the Financial Services Authority; our registration number is 147692. John Charcol Associates LLP is an appointed representative of Towergate Financial (West) Ltd, which is authorised and regulated by the Financial Services Authority.  Registered office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN. Registered in England No: 02292688.  This mortgage site is only directed at persons within the UK.   The FSA does not regulate some investment mortgage contracts.  Calls may be recorded for training and monitoring. Max call charge from a BT landline is 3.9p per minute. Calls from other networks may vary.