Are there any schemes to help me get onto the property ladder in Stafford?

The government has introduced several schemes to help more first time buyers in Stafford onto the property ladder, such as the Lifetime ISA and the Right to Buy Scheme. Our mortgage advisor in Stafford are familiar with all of the current government schemes and can advise you on the most suitable option for you. Get in touch with an expert mortgage advisor today and receive a free initial mortgage consultation. As a reliable and experienced mortgage broker with over two decades of experience in the mortgage industry providing expert mortgage advice in Stafford, we have aided many first time buyers in Stafford onto the property ladder, reducing their worries and striving to locate success with what they desired to obtain with their first home. Our mortgage advisors in Stafford have extensive knowledge and expertise in this field. There is rarely a situation that we have not encountered.

You’ve spotted a property you like – What’s next?

Generally, after finding a property you like, the next step is to obtain an Agreement in Principle, also known as a Decision in Principle, DIP or AIP. No matter the name you hear it called, the purpose is the same. An AIP means that you have passed the lender’s initial credit check and are agreed in principle for your mortgage. It shows the seller of the property you’re after that you’re in a position to proceed should they accept your offer, putting you ahead of other potential buyers and allowing for possible negotiation on price. A member of our mortgage advice team can usually turn these around within 24 hours of your initial appointment.

Your offer has been accepted, and you’d like to proceed with a mortgage application?

Fantastic news! Your next step will be to get back in touch with your mortgage broker in Stafford. They will be able to progress your mortgage application and manage all the paperwork on your behalf. We come across various circumstances and obstacles all the time, so your experienced advisor will likely have come across something similar in the past. With this knowledge, they’ll work hard to ensure you hopefully end up with a positive outcome.

Mortgage advice from the bank was unsuccessful?

Whether due to bad credit, no credit or something else, we often hear from first time buyers in Stafford who have been turned away from their bank. Our team of mortgage and protection specialist advisors in Stafford will work hard, from early until late, to try and find a solution for any hurdles you come across. Get in touch to book your free initial mortgage consultation.

First Time Buyer Mortgage in Stafford

Looking at Getting a First Time Buyer Mortgage in Stafford?

Our team is here to help you get the keys to your first home. We understand that the home buying process can be daunting, but our mortgage broker in Stafford are here to make it easier.

As a mortgage broker in Stafford, we have the expertise to find the most suitable mortgage deals for first time buyers. We don’t just provide you with a mortgage; our mortgage advisors in Stafford are here to talk you through the process and answer any questions you may have.

If you’re ready to take the next step, get a quote now and meet your advisor. Our team will be with you every step of the way.

First Time Buyer Mortgage Advice in Stafford

We will be With you Throughout the Whole Process!

If you’re looking to purchase your first home, but are unsure of your eligibility for a mortgage, our mortgage advisors in Stafford can help.

When assessing affordability, lenders look at your annual salary, any other income you have, and your outgoings. They’ll also check your credit file to make sure you can manage your finances responsibly. All these factors are taken into consideration to determine how much you can borrow for a mortgage.

The amount you have saved for a deposit also affects the mortgages available to you. As a mortgage broker in Stafford, we have extensive knowledge of lenders’ criteria, enabling us to search through thousands of deals to recommend the most suitable mortgage for your circumstances.

What will the costs be, and how much can I borrow?

For many who get in contact, particularly first time buyers, part of the tension and uncertainty can be down to wondering how much they can borrow and what their monthly costs may be going forward.

Your dedicated mortgage advisor in Stafford will be able to provide you with a rough estimate on this, giving you a clearer picture and fewer unanswered questions surrounding your process.

Speak to an Advisor

Important information

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.

FAQ's From First Time Buyers in Stafford

Our Customers Love Us

4.98 Rating92 Reviews

Sara

Very informative and very responsive team

1 month ago

Doreen

I couldn’t have wish for a better experience on my journey to buying my property through Uk Moneyman. Very professional, yet friendly, and easy to deal with. I’d recommend to anyone thinking of buying a property.

3 months ago

Andrew

Matt and Debbie from Birmingham money man have been very helpful so far in the process of buying our first house answering all our questions quickly and with detailed and understandable explanations. they have made the process easier and much less...

4 months ago

Alexander

Professional and provide a great service

4 months ago

Natasha

Absolutely fantastic service - highly recommended

4 months ago

Stephanie

Excellent, communication and supportive staff. They have been Very thorough and informative.

4 months ago

Anonymous

Incredibly helpful and responsive, friendly people and they made a daunting process easy and straightforward, would definitely use them again

7 months ago

Anonymous

Helpful and knowledgeable. Helped me make good decisions and managed to get the best possible deal.

7 months ago

This has been a very challenging process that has taken a number of years to achieve. Birminghammoneyman brokers has been pivotal to me achieving my dream home. They have been patient and consistent in support and guidance. They are very reasonably...

9 months ago

Katia

They were really supportive and faster. I highly recommend their services.

1 year ago

Brian

I am very impressed and pleased with the service provided. Both Dan and Jonathan are consummate professionals who kept me informed at every stage of the process and were always on hand to answer any questions. They were sympathetic and eager to...

1 year ago

Mandy

They have been very helpful ,very patient helping sort any hiccups sorted everything in the end

1 year ago

Alistair

I have had a real good experience dealing with wayne and lizzie from uk moneyman they have been very informative and helpful couldent thank them enough for there work

1 year ago

Keith

You have given a very good act of yourself and very recommended by my shelf k gurney

1 year ago

Tayla-Leigh

The service that we received from Wayne and the team at UKMoneyMan was amazing. A straightforward and easy process. We highly recommend MoneyMan, especially to those that are first time buyers, everyone was so knowledgable and helpful. Friendly...

1 year ago

Harry

everyone from the money man uk team was a delight to work with, they made it all easy and stress free time for us and gave us all the support we needed. they was a pleasure to work with we will recommend them to family and friends and any future...

1 year ago

Anonymous

Dan was very helpful and knowledgeable and dealt with our mortgage quickly and efficiently.

1 year ago

Philip

Dan and Jonathan were very helpful and explained everything in detail. We were able to then make an informed decision on our lifetime mortgage.

1 year ago

Philip

Dan and Jonathen explained everything in a clear and concise manner and were quick to address any concerns. All in all it has been a straightforward experience.

1 year ago

Anonymous

Great brokers, very helpful and efficient.

1 year ago

Our Simple Mortgage Process

Free Initial Mortgage Appointment

Having a conversation with a professional mortgage advisor in Stafford is essential to discuss your mortgage scenario.

Our dedicated mortgage advisor in Stafford will carefully analyse your income and expenses during a complimentary mortgage appointment. This evaluation will enable us to determine the maximum borrowing capacity available to you as a first-time buyer in Stafford.

Don’t hesitate to reach out to us and schedule your consultation. We are eager to assist you in achieving your mortgage objectives.

We Can Search 1000s of Mortgage Deals

We have a team of experts who can connect you with a wide selection of lenders offering specialised products designed specifically for first-time buyers in Stafford. This will assist you in embarking on your path to becoming a homeowner.

Following your consultation, we will swiftly obtain your mortgage agreement in principle (AIP), typically within 24 hours. An AIP serves as proof to sellers that you are dedicated to proceeding with the purchase, enhancing your credibility as a buyer.

Submit Your Mortgage Application

After your offer on a property is accepted, our committed mortgage advisor in Stafford will handle the submission of your mortgage application and organize any additional documentation required by the lender.

Throughout the mortgage process, your dedicated case manager will provide regular updates, ensuring you are well-informed at every stage. We are here to support you throughout the journey of obtaining the keys to your new home.

Protecting You and Your Mortgage

Alongside finding the most suitable mortgage deal for first time buyers in Stafford, our team is dedicated to assisting you in acquiring comprehensive insurance coverage to protect you and your loved ones financially.

Obtaining insurance while securing a mortgage offers a vital safety net in case of unexpected events like death, disability, or job loss. Insurance products that cover mortgage payments provide reassurance that in such circumstances, the borrower’s family won’t be burdened with the responsibility of paying off the mortgage.

Why Choose us

Free Initial Mortgage Appointment

Our team of fast, friendly & experienced mortgage advisors in Stafford love providing first time buyers with expert mortgage advice in Stafford and help secure their dream home.

From the first call to getting the keys to your new home, your dedicated mortgage advisor in Stafford will be there to provide support and guidance throughout the process and answer any questions you may have about your mortgage.

1000s of Deals

Different from high street banks, we are able to search through thousands of mortgage deals to find the one that suits your individual circumstances, both financially and personally.

We can also help with putting offers forward to estate agents, conveyancing solicitors and deciding on what survey would be best, if that is something you would prefer.

Our Service

We always strive to make the process as stress-free as possible, managing all the paperwork for you. The exciting part is finding a property that you like, and that part is up to you!

Please read our genuine customer reviews, as they are a true reflection of the level of dedication and support we provide to all customers.

7 days a Week

Our mortgage advice team in Stafford are available seven days a week, from 8am to 10pm, so you can find a time that suits you, your family and your work and personal schedule.

We always aim to take the stress away and manage all the paperwork for you. The exciting part is finding a property that you like, and that part is solely up to you!

Malcolm and Amy Davidson - Mortgage Advice in Newcastle

We Search 1000s of First Time Buyer Mortgages in Stafford

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Birminghammoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.

UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.

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First Time Buyer Mortgage Advice in Stafford

First Time Buyer Mortgage Advice in Stafford

Why are you looking to remortgage?

What is your main source of income?

Do you live in the property you're looking to remortgage?

Can you let us know your age group?

What best describes what you are looking to achieve?

Please tell us more about your current situation and what you're looking to achieve

Which stage are you currently at?

How much deposit do you have available?

What percentage deposit do you have available?

What is your main source of income?

Are you an existing buy to let property owner?

Do you own a residential property?

Can you evidence a minimum income of £25,000 p/a?

Can you tell us more about the deposit you have available?

Please tell us more about your current situation and what you're looking to achieve

What best describes what you are looking to achieve?

Please tell us what you are looking to achieve

Do you have at least 30% deposit or equity available?

Please tell us about your current situation and why it's complicated

Are you a property owner?

Are you currently?

Do you have an offer of a job that is due to start in the next 90 days?

Is all of your income currently from state benefits?

Which type of insurance are you looking to take out?

Please tell us what age bracket you fall into?

Please tell us a little bit more about your situation which would support your application

How can we help?

What are you looking to achieve?

What type of property are you buying?

Please tell us about your current situation and why it's complicated

What stage are you currently at?

How much deposit do you have available?

What type of property are you looking to purchase?

Is the house a new build or part of a shared ownership scheme?

How would you describe your credit history?

Would you be able to give us an overview of your credit history?

What is your main source of income?

What is your total household earned income p/a?

Kindly provide your contact details below

Kindly provide your contact details below

Kindly provide your contact details below

How long have you been self employed?

What are you looking to achieve?

Kindly provide your contact details below

Congratulations! You qualify for an appointment.

Congratulations! You qualify for a specialist appointment.

Congratulations! You qualify for an equity release appointment.

Congratulations! You qualify for a bridging loan appointment.

Congratulations! You qualify for a protection review.

Congratulations! You qualify for a secured loan appointment.

Thank you!

Sorry, we are unable to help at this moment.

Sorry, we are unable to help at this moment.

Sorry, we are unable to help at this moment.

Brilliant! Thank You For Your Enquiry

Looking at Getting a First Time Buyer Mortgage in Stafford?

We will be With you Throughout the Whole Process!

What will the costs be, and how much can I borrow?

Important information

FAQ's From First Time Buyers in Stafford

Are there any schemes to help me get onto the property ladder in Stafford?

You’ve spotted a property you like – What’s next?

Your offer has been accepted, and you’d like to proceed with a mortgage application?

Mortgage advice from the bank was unsuccessful?

Our Simple Mortgage Process

Free Initial Mortgage Appointment

We Can Search 1000s of Mortgage Deals

Submit Your Mortgage Application