The whole concept of buying your first home can be rather daunting. Without proper guidance and advice, you might be unsure of how to set your foot on the property ladder for the first time.
Firstly, you will need to work out if you are eligible for a mortgage and how much you can borrow, as well as which type of mortgage to go for and how much it’s going to cost you.
The good news is that it’s easy to get started with your first mortgage with Ever North Mortgages Ltd’s online Mortgage Finder. All you need to do is enter your details, including how much you want to borrow and the size of your deposit. The Mortgage Finder will then show you all the deals you are likely to qualify for.
A quick check to find out what size mortgage you can get on your income.
Applying for your first mortgage with Ever North Mortgages Ltd will save you time and money, butwill also make the whole mortgage process a lot easier.
Our online Mortgage Finder allows you to start your mortgage journey on your desktop or mobile device, either at home or on the go.
You must be aged at least 18 to apply for a mortgage as a first time buyer.
When you submit your application, lenders will look closely at how much you earn. They will also want to know about all your outgoings, such as any loan or credit card repayments, and the amount you spend on things like travel, food and utilities. If you can reduce unnecessary outgoings before you make an application, it could boost your chances of being accepted.
The lenders will check your credit history too, because it shows how you’ve managed debts in the past. If you’ve been late with or have missed any payments, it might have affected your credit score and may mean your mortgage application is refused.
There are lots of different mortgage options to choose from, so it’s worth weighing up the pros and cons of each before deciding which one to go for.
Before you choose your first mortgage, there are a few initial steps you need to take.
Remember too that if you’re struggling to get onto the property ladder, there are Government schemes available that may help.
Hopefully you’ll now have a clearer idea of which type of mortgage you want and the sort of information lenders will want to see when you apply for a mortgage.
Whether you want a fixed or variable deal, our online Mortgage Finder searches over 90 lenders’ deals on your behalf, which means finding and applying for your first time buyer mortgage needn’t involve filling out lots of mortgage enquiries for different mortgage providers.
Our experts will advise you on the best deal for you, and once you’ve applied for your mortgage, you can then track your application online 24/7 so you know exactly how it’s progressing.
If you would like to contact with us, please provide your details on the form and we will call you right back.
Regulatory Statement
Ever North Limited is a company registered in England and Wales with registration number 10216011.
Ever North Limited is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA Number is 800196.
Information Commissioner’s Office (ICO) Registration Number: ZA336026
As a client of a regulated firm you have the right to take unsettled complaints to the Financial Ombudsman Service (FOS) which is an arbitration agency for complaints occurring in the financial services industry. Full details of the FOS can be found here.
Please note the content, services and information displayed on this site are intended for residents of the UK only. We may record telephone calls for training and quality purposes.
WARNING
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
The Financial Conduct Authority does not regulate Bridging, Commercial loans and certain types of Buy to Let Mortgage and some investment mortgage contracts.
Your Home is at risk if you do not keep up repayments on your mortgage or any other loan secured on it.
Equity Release / Home Reversion – This is a Lifetime Mortgage or home reversion plan, to understand the features and risks, ask for a personalised illustration.
Under no circumstances should any of the information contained within this website be construed as “advice”. You should seek professional advice in respect of your own circumstances.
The content, services and information displayed on this site and/ or any associated sites are intended for residents of the United Kingdom only. We may record telephone calls for training and quality purposes.