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First Property

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NEWS 1:-

The Mortgage Crisis for First Time Buyers who are hoping to buy.

If you are looking to buy your first property then things are looking good for you at the moment. Property prices are falling (and have been for the last 6 months) so you can just sit back and see what happens.

If you are living at home with your parents then start saving as much as you can for a deposit as there are no 100% mortgages about at the moment. In all likelihood the best you will get is 90% LTV (loan to value) which means you need to raise a 10% deposit as well as considering any legal fees and removal expenses. But save you must as property values will hit a low and it's at this point you want to be in a position to buy the property you want. That time might be now or in a few months yet but nevertheless an independent financial advisor will help you get a decison in principle (effectively an offer from a lender) so that you know you have the mortgage you need.

NEWS 2:-

The Mortgage Crisis for People with Bad Credit History

Unfortunately it is now more difficult for people with a bad credit history to get a mortgage.

This is because lenders are becoming more cautious with the current economic situation and are drawing back from anything they regard as slightly risky. They want to lend to people with good credit, a steady income and who they would consider low risk.

Whether you can get a mortgage if you have bad credit will depend on your exact circumstances. How much of a deposit you have and the extent of your credit problems and how long ago they were etc.

Before applying directly to any lender you should seek independent advice. If you apply to a lender the chances are they may do a credit check. If this happens and you are turned down this will make it even harder to get you a kmortgage as it will affect your credit rating.

buying your first home?

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Testimonials

“Thank your team for a truly excellent, top class service over a remortgage just completed especially Simply Finance who were very efficient.They will be highly recommended as far as I am concerned, in the future.”

Rosalind, Chesham

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First Property

The Mortgage Crisis for First Time Buyers who are hoping to buy.

The Mortgage Crisis for People with Bad Credit History

buying your first home?

Testimonials

Repayment mortgages

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Please tick any of the following that apply to you. This will not hinder your mortgage enquiry but will help us find the most suitable product for you.
Have you or the joint applicant had a CCJ in the last 3 years?
Have you or the joint applicant ever had an IVA?
Have you or the joint applicant ever been declared bankrupt?
Have you or the joint applicant missed any mortgage or secured loan payments in the last 2 years?

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