First Time Buyers...

Getting a mortgage has become more difficult for first-time buyers in recent years, thanks to rising house prices.

Even now, with residential property values set to stabilise or even fall in some areas, first-time buyers are instead faced with more difficulties when trying to secure a mortgage.

Perhaps you haven’t managed to save a decent deposit yet, or maybe you’re worried you might not be able to afford a mortgage on your income alone. Even if this is the case, there are options open to you. This includes 100% mortgages, those allowing you to buy with friends, guarantor mortgages and even government schemes for key workers or first-time buyers facing affordability issues.

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Guarantor Mortgages
mortgage repayments. Having a guarantor may also enable you to borrow more money than your income would usually allow, because your guarantor's income (less any other financial commitments) is taken into account.

Graduate and Professional Mortgages
For first-time buyers who have recently graduated or who are training in certain professions, there are specific mortgages available to suit your needs.

100% Mortgages
CURRENT CONDITIONS PROHIBIT THESE TYPES OF MORTGAGES

Sharing a Mortgage
With house prices having risen substantially over the past decade, the plight of UK first-time-buyers has resulted in people seeking alternative ways of getting on the property ladder.

State Help
The Government has a number of affordable housing schemes designed to enable people to get on the property ladder.

Early Repayment Charges (ERCs)
Early Repayment Charges are applied to many special mortgage deals, such as fixed rates, capped rates and discounts, for those wanting to pay their mortgages off early.

Getting your first mortgage with bad credit
There are many lenders prepared to give mortgage to people with a less than perfect credit record. We can show you how.

First Time Buyers Top Tips
Buying your first home can be a very daunting affair when it needn't be.

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Authorised and regulated by the Financial Services Authority. The Financial Services Authority does not regulate will writing and not all forms of long term care plans. IFM Utility Service is not authorised and regulated by the Financial Services Authority. Your home is at risk if you do not keep up repayments on a mortgage or any other loan secured on it. Think carefully before securing other debts on your home. A fee of up to £670.00 inc VAT may be charged on completion of your mortgage. A fee of 1% of advance or £930 inc VAT whichever is the greater may be charged on completion of your lifetime mortgage or home Reversion Plan. The Financial Services Authority does not regulate Buy to Let Mortgages.Terms and conditions apply. Written details on request. Tax relief's and allowances referred to are those currently applying and are liable to change. There value depends upon the individual circumstances of the investor.

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