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What to Expect From Your Initial Appointment

As a first-time buyer, the prospect of owning your own home can be both thrilling and overwhelming

We understand the importance of making informed decisions and finding the right mortgage to fit your personal circumstances. Every client is different, as is every lender, so It's important for us to get to know you well as a first step.

Your first appointment is a chance for us to get to know each other property, but more importantly it's an opportunity for you to get a better understanding of your options and the mortgage process. The goal of the meeting it to help you feel confident in these options so that you can make well informed decisions. we'll also put together a budget document so when the time comes for you to submit an offer on a property, you can do so, confidently. Let's dive into what you can expect from this initial meeting.


1. Understanding your property goals

A mortgage is a long term commitment. When we get to know a client It's important for us to fully understand your lifestyle now, budget preferences and where you want to be in the future, all of this will help us to create a budget that works for you in the present and future.

2. Reviewing Your Current Financial Situation

As a first-time buyer, it's essential to understand your financial situation to determine your affordability accurately. We'll review critical aspects such as your income, expenses, savings, and existing debts. This analysis allows us to assess your affordability accurately and identify potential opportunities or challenges.

3. Reviewing Your Documentation

Mortgage advice is highly regulated which is great for our clients as you are fully protected at every stage. As we move through the process we'll need to review your documents to make sure that we are always giving you accurate information, the more documentation we have at this initial appointment the better. you can expect a request for the following documents

  1. ID - Passport or Drivers License

  2. 3-Months Payslips

  3. 3-Months Bank Statements

  4. 2-Years SA 302's if Self Employed

  5. 2-Years Company Accounts for a Director of a Limited Company

  6. Your Credit Report

4. Addressing Your Questions as a First-Time Buyer

The goal from us as an advisor for you as a first-time buyer is to help demystify the process and give you more control in your decisions. Your first appointment is the perfect opportunity to ask any questions you may have. We can help with personal circumstances, mortgage types, interest rates, repayment options, or any other aspect of the homebuying process. Ask all questions that have been on your mind! We want you to get value from this meeting and come away feeling confident in the path ahead.

5. Determining Your Budget

Following our discussion about your property goals and the review of your financial situation, we'll provide you with a general idea of your budget. This estimate will give you a starting point to consider when exploring properties. As a first-time buyer, it's important to have a clear understanding of your budget to avoid any unexpected expenses.

We will then go away and conduct extensive market research across the whole of the market on your behalf. We'll consider affordability, preferred budget, term, interest rates, repayment terms, and other essential factors discussed during the meeting.

We'll take into consideration your specific circumstances when we're considering different lenders to be able to provide you with a maximum budget with the lenders that work best for you.

6. Receiving Your First-Time Buyer Budget Document:

Once our market research is complete, we'll prepare a comprehensive budget document just for you.

The budget document will be emailed along with access to your own mortgage hub which will also include useful content, access to the documents we hold and any updates on your case.

The budget document will outline the maximum budget available to you and the monthly payments based on todays rates (these rates will change and we'll provide updated recommendations when you have an offer accepted).

If this maximum lending falls outside of your outlined budget we'll also include alternate options as well.

Armed with this information, you'll feel confident as you view properties, this is also the moment that you can then confidently make an offer on the property you want.

I hope this all helps to give you an idea of what to expect.

We'll be here with you every step of the way to keep every stage transparent and easy. So, please do call or message at any time to talk it all through.

I look forward to seeing you soon

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