Buying a home


Buying your first home can be an exciting but often an intimidating step.  A home is probably the biggest purchase you are ever likely to make and will have a huge impact on your life and finances.

Buying a property isn’t something people do on a regular basis and often first time buyers have no idea where to start! A mortgage adviser can be a really big help in guiding you through the process.

Things to consider

Before you begin the home hunt, it is a good idea to determine your price range. An adviser can help you with evaluating your income, your current savings and outgoings. They should be able to advise how much you can borrow and therefore help to see which properties will be affordable for you.

When looking for a home it is worth bearing in mind that mortgage providers will want to see your bank statements to evaluate your income and out goings whilst also checking your credit history. It might be a good idea to put together a realistic budget and prove that you can stick to it, showing that you can afford the mortgage payments and have money left over in case interest rates rise.

Once you have found your property and had your offer accepted you will need to put the mortgage in place. A mortgage adviser can help you apply for the most suitable product by determining its affordability and characteristics to suit you. Moreover an adviser may often help you to fill out the paperwork and ensure that everything is in order.

Furthermore, a mortgage adviser will also discuss your protection needs, to ensure that you, or your partner could continue to pay the mortgage should something unexpected occur. This is very important and can be the difference between you losing your home or keeping it should you fall on hard times.


You might want to consider a professional who advises on some or all of the following product areas: Insurance, Mortgage, and/or Protection.