Buying a House

Congratulations! you are looking to buy a house or at the very least you are thinking about it. How far along this process you are, will be different for everyone. The one thing that you will all probably know is how expensive the cost of buying a house is. That does not mean that it isn’t possible and even if you don’t think you can afford it, how do you know if you don’t start looking into it? Some of you might even know what property you want to buy, some of you will be just starting to save for a deposit, some of you are ready to make the application for a mortgage.

Here at identityfs, we can help you regardless of how far down the process you are. There are schemes and incentives to help you purchase a home and often they are aimed at 1st-time buyers. We can help you investigate Help-to-Buy ISAs. Perhaps you’ve got the deposit saved up and need to look at whether you can afford to borrow? We can use mortgage calculators to help work out how much you might expect mortgage payments to be.

We know that plenty of you will be looking at starting the process to apply for a mortgage. But, do you know what type of mortgage you want or need? Our team of experts can help you look at the options. If you are looking at buying your first home, then the chances are we’ll be talking about a 1st-time buyer mortgage. The most common type of mortgage is a joint mortgage. This is where two people are on the application. We can even look at a shared ownership mortgage. With the price of purchasing a home, it can be beneficial to have several people come together to buy a home or apply for a mortgage, this is an area we can help with.

Once you know what type of mortgage you want, we can then have a look at what mortgage deals we can secure you. There are a lot of options out there for you. Often estate agents have a link with a mortgage lender or mortgage broker but how do you know they are offering you the best deal? An independent mortgage broker could help give you advice and look at getting the best deal for you.

Our knowledgeable and experienced team don’t just look at the best type of mortgage for you or offer advice on what deals could be right for you. We look at everything, including mortgage rates and interest rates and how they affect your repayments. Our team will guide you through the mortgage application process and what happens when the time comes for exchanging contracts. If there is anything here that doesn’t make sense or leaves you a little confused and scratching your head, just give us a call. Identity Financial Solutions are here for you and we are more than happy to help you get that dream home.