First Time Buyer

At Hypo Financial we understand that buying a house is one of the most important purchases you will ever make. It can be a very daunting experience but our advisers can guide you through the mortgage maze and find you the best deal available for your circumstances.

At Hypo Financial we understand that buying a house is one of the most important purchases you will ever make. It can be a very daunting experience but our advisers can guide you through the mortgage maze and find you the best deal available for your circumstances.

In the current economic climate, you will probably need at least a 5% deposit towards the mortgage before a lender will consider you.

Our expert advisers can explain the different types of mortgages on offer and will complete a budget planner, ensuring you get the mortgage most appropriate to you. Because we have access to a wide range of mortgage lenders you can have peace of mind that we will be able to compare a comprehensive range of mortgage products available on the market so you don’t need to shop around.

When you apply for a mortgage, lenders look at a number of things to work out how much you can borrow including your earnings, outgoings, the value of the property you want to buy, your deposit, as well as your credit history.

Our advisers will help you do the sums by completing a budget planner, so you will need to give us as much detail as you can about your finances.

If you would like any further information, contact one of our mortgage advisers today.

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

A mortgage fee payable is dependent on the complexity of the case and will be agreed at the outset. A fee of up to 1% of the loan amount is payable, for example on a £100,000 mortgage a 1% fee would equate to £1,000. A typical fee is £399 and is payable at the outset or on issue of an offer of mortgage.

What else we cover?

Protection
Purchasing your dream home is one of the biggest financial commitments you will make in your life which is exciting but can be fraught with stress and worry. Protection can help pay off the mortgage and keep up with the bills that don’t stop.
Help To Buy
Help to Buy equity loans are only available in England, although similar schemes have been made available by the Scottish Government, the Welsh Government and the Northern Ireland Housing Executive.
General Insurance

Home and Contents Insurance is there to provide you with peace of mind that your home will be fully covered if you suffer losses from fire, theft or burglary. There are many add-ons you can have such as accidental damage and personal possession cover.

Expert mortgage advisers

You can speak directly to our qualified mortgage adviser who has a wealth of experience. Our advisers are fully trained, specialised and work with a range of clients.
We will search the market to ensure that your individual needs are met and we are more than happy to arrange face-to-face meetings. Our advisers can also handle mortgage applications over the telephone.

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