First Time Buyer

How much can I borrow

Whether you’ve found a dream home or are just starting your search, you need to know how much you can afford. Our calculator gives you a rough idea of the amount you can borrow, the deposit you’ll need, and the monthly payments you’ll be making.

What is the process for getting a mortgage?

• Making choices
• Deposit
• Making an offer
• Mortgage advice

Choosing a property

Your criteria might include having a good school nearby, local transport links and convenient shops or restaurants.

A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME OR PROPERTY. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Choosing a mortgage

Simple Home Loans will manage your entire application, taking you through the whole process from start to finish.

Call us on 01964 545965 or send us your requirements.

Alternatively, you will need to make an initial application with a lender, who will invite you for an interview and start the process of credit scoring by reviewing your supporting documentation (e.g. recent pay slips, bank statements, proof of identity.) If your credit score is deemed sufficient, you are ready to move on to surveying the property.

How can simple home loans help?

• We save you the hassle

Our highly trained, professional advisers work with you every step of the way to make the mortgage process simple, saving you time and effort on one of life’s biggest decisions.

• We’re independent

Going back to a bank or estate agent limits your options and leaves you at risk of getting a bad deal. We have access to hundreds of products across the whole mortgage market and can find you the ideal product for your needs.

• We can save you money

By hand-picking the best mortgage and negotiating the best rates on your behalf, we can save you up to tens of thousands of pounds throughout the term of your mortgage.