FIRST TIME BUYERS

Where do you start?

It might seem obvious, but first-things-first, let us help you understand what you can afford before you even starting looking at properties. We can show you:


  • How much you need upfront for your deposit & buying costs

  • How much you can borrow

  • What the monthly cost will be


Everything will start to become clearer for you and whether you're buying a standard property or through a Government Scheme such as Help-to-Buy or Shared Ownership, we will support and guide you through the process  

 
FTB Process - Infographic.png

THE BUYING PROCESS

Simple Steps

We help you understand the process step-by-step


As our infographic helps you visualise, we take care of the majority the process on your behalf, whilst keeping you updated and informed throughout 

 

WHAT DOCUMENTS WILL YOU NEED?

Lenders need some documentation from us to help demonstrate that you can afford the mortgage we request. Whilst we'll discuss with you during our meeting, if you can prepare the following documents (electronic versions are fine) it will save time and ensure a smooth process.

ID

Scanned copy of your Passport or Driving Licence

PROOF OF ADDRESS

Recent Utility Bill, Council Tax Bill or Bank Statement

PROOF OF INCOME

  • Employed Clients - Latest 3 Monthly Payslips and Latest P60

  • Self Employed Clients

    • Latest 2 Years Accounts, or

    • Latest 2 Years HM Revenue & Customs (HMRC) Tax Calculation accompanied by corresponding Tax Year Overviews

BANK STATEMENTS

Latest 3 Full Months Bank Statements - showing both salary credits and outgoings (direct debits, standing orders etc)

PROOF OF DEPOSIT

Bank / Savings account statement showing gradual build up of funds

 

REVIEWS FROM OUR CLIENTS BUYING THEIR FIRST HOME

Getting Mark’s advice was so helpful. It was our first house purchase and had to navigate Help to Buy also.


He really cares about your interests and he is organised in his research and gets everything done quickly. He is an advisor to trust and get results

B Harrad

Mark is brilliant! This is the first time I have bought a house and with so much information and so many insurances to consider, Mark made the process seamless. His patience is second-to-none and he can't do enough for you. I would highly recommend Mark to anyone....Thanks Mark!

A Menzies

 

WHERE TO FIND US

13 Aurum Close, Whitstable, Kent. CT5 3FN

Tel: 01227 807087

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What you need to know

There may be a fee for arranging a mortgage, typically £199, payable prior to your mortgage application. 

Your home may be repossessed if you do not keep up repayments on your mortgage. Some buy to let mortgages are not regulated by the Financial Conduct Authority.


The guidance and/or advice contained within this website is subject to the UK Regulatory Regime and is therefore targeted at consumers in the UK.


MHC Mortgage & Protection Ltd is an appointed representative of Quilter Mortgage Planning Ltd, which is authorised and regulated by the Financial Conduct Authority. Quilter Mortgage Planning Ltd is entered on the FCA register under reference 440718.