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 start looking at properties. We can show you:
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How much you need upfront for your deposit & buying costs
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How much you can borrow
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What the monthly costs could look like
We will try to make the process 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

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
Every case is different, and whilst we can’t guarantee how long it will take… on average it can take 3 months from application to completion…
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
Getting in touch
13 Aurum Close, Whitstable, Kent. CT5 3FN
Email: enquiries@mhcmortgages.co.uk
Tel: 01227 807087
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 HL Partnership Ltd, which is authorised and regulated by the Financial Conduct Authority. HL Partnership Ltd is entered on the FCA register under reference 303397
MHC Mortgage & Protection Ltd is registered in England and Wales - 12067840 – Registered address – 13 Aurum Close, Whitstable, Kent. CT5 3FN