Getting your ducks in a row!
We know that buying your first home can be a bit daunting, but we’re here to help answer any tricky questions about buying a home, borrowing money, insuring your assets and to make sure the whole process is easier for you.
“Mortgage advisers aren’t only here to get you a home loan.” No no!
We can also help you make a plan to get your finances looking like a million bucks! Okay, you won’t literally have a million dollars in your bank account when we’re finished… otherwise you’d probably be buying that house with cash, right ?. Then, when it’s time to make that leap onto the property ladder you know you’re starting off in a good place.
So, where do we start?
First of all, we discuss:
A) your current position – what income you’re bringing in, what you’re spending and what’s left over at the end, as well as any consumer debts you may have such as credit cards, personal loans, car finance etc.
B) Your goals – where do you want to be?
Then we crunch the numbers to see what’s needed to get you from A to B and work out what you can afford, rather than just how much you can borrow. We aim to get you into the property that meets your needs at a cost you can afford. If you want to get an idea of what this looks like for you before our meeting, check out this handy budgeting tool from Sorted.