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Can I get a Mortgage? Advice on First Time Buyer Mortgages

Can I get a Mortgage? Advice on First Time Buyer Mortgages

As a first time buyer..

As a first time buyer, buying your first home is an exciting time but can also be quite daunting. Even when you have decided on the right property for you there is still lots to think about. This includes researching first time buyer mortgages. At The Mortgage Clinic we want to take away some of the worries you may have around the finances of buying a home. Our Initial Mortgage Planning Consultation does just that! View our video below to see what to expect from a FREE planning appointment at The Mortgage Clinic.

We DO NOT charge for our initial mortgage advice!

Before you even start viewing or bidding on any property you should speak to us for free mortgage advice – you need to know how much you can borrow and how much it will cost each month.

Our initial planning consultation and first time buyer mortgages advice will help you to set your budget, saving you time on viewing houses that are perhaps outside of your price bracket. We can tell you how much you can borrow, what costs and fees to expect and how much of a deposit you will need.

 

We do the hard work, so you don’t have too.

No need for you to check first time buyer mortgages with all the banks and building societies yourself – we can do this for you, all under one roof! Because we work with all the major UK lenders, as well as the local ones, you can be sure of independent advice, best suited to your needs. Each lender has their own lending criteria but our expert knowledge will make sure we find a solution that is matched to your own specific circumstances.

We will review your credit report which is the first hurdle to get through when you’re borrowing money of any description – whether it’s a mortgage, credit card or personal loan.

We will gain a mortgage ‘Agreement in Principle’ for you so you can be sure you can get the mortgage you require.

You will leave the Planning Consultation knowing how much you can borrow, how much it is likely to cost and what documents you need to start gathering together – ready to find your dream home!

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We will never share your information with a 3rd party. We hate spam just as much as you do!

Why Choose Us

We are the Number 1 reviewed (five star) Mortgage Advice company in Belfast and beyond by Google. Contact us today for trusted advice.

We are familiar with the lending criteria for all of the major lenders, we look out for pitfalls and problems on your behalf and increase your chances of having a successful mortgage application.

We offer independent advice, and can find you the best deals available for your circumstances!

Arrange a free Initial Consultation at a Time that Suits You.

Book Now

And then what happens?

  1. You view the properties you’re interested in, within the budget we have agreed
  2. When you find your favourite, register a bid
  3. Have a bid accepted and get your property ‘sale agreed’
  4. We check again for the best mortgage deal that’s right for your circumstances
  5. We complete your mortgage application
  6. Property valuation is carried out by the chosen mortgage lender
  7. The lender issues a mortgage offer
  8. In the meantime your solicitor will have been working in the background making the necessary checks etc
  9. Completion date agreed
  10. Collect your keys and get ready to move into your new home

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Buying your first home is an exciting time but choosing a mortgage adviser and getting mortgage advice can also be quite daunting. At The Mortgage Clinic we want to take away some of the worries you may have around the finances of buying a home. Our Free Initial Mortgage Planning Consultation does just that!

People move house for many different reasons. Whether you need to upsize or downsize or just fancy a change of scenery there is always lots to think about. At The Mortgage Clinic we want to answer the questions you may have around the finances of moving home. By using a mortgage broker like The Mortgage Clinic, we will help you shop for the best deal for your circumstances. Our Free Home Mover’s Mortgage Planning Consultation does just that!

The Mortgage Clinic was founded in early 2015 by Helmut Elstner, Mortgage Advisor who unlike the name suggests is from N.Ireland. It is a young and innovative company that provides independent free Mortgage advice. We have close links to the local property market and estate agencies, so you can be sure that we are true experts in the mortgage market!

Your first meeting is FREE of charge.

If you instruct us to work on your behalf there will usually be a research and implementation fee. The actual amount you pay will depend upon your individual circumstances but a typical fee is £250 and this is payable when you instruct us.

Request a callback

9 + 8 =

Data notice:
You consent to us storing and using your name, email address, IP address and phone number for the purposes of responding to your enquiry. For more information please see our privacy policy.

We will never share your information with a 3rd party. We hate spam just as much as you do!

Why Choose Us for MortGage Rates NI

We are the Number 1 reviewed (five star) Mortgage Advice company in Belfast and beyond by Google. Contact us today for trusted advice.

We are familiar with the lending criteria for all of the major lenders, we look out for pitfalls and problems on your behalf and increase your chances of having a successful mortgage application.

We offer independent advice, and can find you the best deals available for your circumstances!

From Our Clients

"Cannot recommend this mortgage adviser highly enough. I came across Helmut’s website after searching online, and I am so pleased that I made contact. Being a first time buyer, I was apprehensive about the options available to me. My first point of contact in looking into a mortgage was with my own bank, I then compared this to a few other highstreet banks, but I was not pleased with the options that they were offering. When I first met with Helmut, I explained my financial position to him and he was confident that he could assist me. He found several mortgages that I was eligible for, and they were at a considerably different amount than the banks offered me initially." read more..

C. MCCabe, Crumlin

"As a first time buyer I was nervous about the house buying process. Helmut, mortgage advisor belfast at The Mortgage Clinic made the whole thing stress free and was very efficient with every detail. He organised both my mortgage and insurances, providing great mortgage advice and getting the best deals for me. I would like to thank Helmut for being so accommodating when meeting me and so meticulous meaning I didn’t have to worry about anything. I would definitely recommend anyone to use this service"

E. McNamee, Lurgan

"We sourced Helmut Elstner as our mortgage adviser. We were first time buyers and very new to the process. Helmut from The Mortgage Clinic was able to provide the guidance we needed and process all information in our home and at times that suited us. He was always in constant communication and was able to find us the best mortgage deals available in a very short space of time. His advice fee was very reasonable compared to any other mortgage adviser we had met. The mortgage he suggested was perfect for what we needed. The process felt much easier with Helmut on side and proceeded at a great pace. We would advise anyone to use Helmut from The Mortgage Clinic for any mortgage or financial needs, a five star service!"

J&M, Belfast

"I would highly recommend The Mortgage Clinic to anyone. Helmut dealt with my first mortgage and then re-mortgage in a very professional and efficient manner. Dealing with an independent mortgage advisor gave a flexibility to pick tailored product that worked for me. Helmut brought to my attention details I would have never considered and saved me a lot of money and hassle.
I felt well looked after and that my needs were the priority. The best mortgage advisor I have ever came across and I have high confidence in his services.
Thank you !"

Miss E Piasecka

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