Your First Mortgage Company – why do we stand apart. Well, in today’s economic environment of financial uncertainty, job losses and cuts, mortgage lenders are extremely cautious in their approach to lending for mortgages. Across the board, whether you are a First Time Buyer, remortgaging or purchasing their stringent criteria may affect you.
Firstly, it is so important to protect your credit rating and constantly enquiring on comparison sites to see if you can ‘get a mortgage’ could lower your score if you accidentally or intentionally incur a credit search. Your credit score and quality of your report is usually important to a lender.
Here at Your First Mortgage Company, we aim to lead you through the myriad of demands which lenders are currently making. Your First Mortgage Company offers a free of charge Mortgage Feasibility Report. This report will provide you with details of what you can achieve both in borrowing terms and more importantly budgeting terms.
So that we recommend the most suitable mortgage for your needs and circumstances we will ask all types of questions about your current circumstances, personal and financial, what your objectives are not just for now but over the next five years. This is the only way in which we can ensure that we recommend the most suitable mortgage for your needs and circumstances.
Whether a first time buyer, or moving, remortgaging, or releasing equity from your home, we help you look at your circumstances as a whole and ensure that you understand your mortgage is and how it is set up.
You will have the opportunity to ask all kinds of questions which could be about:
- Interest rates
- Mortgage repayment styles
- Types of deals available
- What does an Early Repayment Charge mean
- What does portability mean
Plus many more.
Please don’t hesitate in giving us a call or send us an email via the contact sheet and we aim to help you realise your dream.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The overall cost for comparison is 4.6% APR
The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
A typical fee for Mortgage Advice is £250.
As we are independent you have the choice whether to pay a fee for the mortgage advice we provide.
Typical .5% of the mortgage amount.
Whether you’re thinking about a Residential or Commercial mortgage, whether you’re First Time Buyer, or you want to explore your options for Equity Release, Shared Ownership or Buy to Let, we can talk you through the best mortgage available to you and ensure that you fully understand and how it is set up.
Carol recently advised me on my first mortgage. I cannot recommend her and Your First Mortgage Co highly enough. Carol was extremely helpful and did not stop until she found the right mortgage deal for me. I couldn't have done it without her.
What can I say...Carol Brown worked tirelessly over the three months it took to sort it out. She was always supportive and confident and did not rest until she got me the very best deal possible. I have already recommended her to friends and colleagues and will continue to do so as she provided such an excellent service!
I can highly highly recommend Carol Brown. She stuck with us over the few months of uncertainty with the mortgage and never complained! She seemed to work all the hours god sends as well as always supplying us with up to date information. I would recommend Carol without hesitation. We will be using her again in the near future for our new house. Many Thanks Carol - we will be passing your number on to all!
I have used Your First Mortgage recently for re-mortgaging my buy to let property. I found Carol to be extremely helpful, knowledgable and gave me a number of viable options, with full explanations of all the small print.
As a first time buyer I was very nervous and unsure about the situation. Carol Brown was very reassuring, explaining everything very clearly and always responding to my queries without fuss or delay. When I thought there were problems she was always available to help and worked so hard to get everything sorted out. I was so pleased with the work she did for me I could recommend her to anyone seeking a mortgage.
Carol recently gave my wife and I some 1st class mortgage advice. Highly competent and recommended broker.
I would not hesitate to recommend Carol Brown to friends and colleagues as her approach, understanding and knowledge of the financial market is of such a high accolade that she adds that extra confidence to her clients. Her dedication to her clients is of the highest standard, and she will always go that one step further to make sure the financial service she has provided meets the client’s expectations. Whether you’re a looking for advice, or to take out a new mortgage or even change any existing plans you may have, then Carol will always endeavour to find you the best possible deal. I speak from experience and over the years I have know Carol, she is precise, dedicated and always has a “Can Do” attitude, and no job is ever too small and she will always make you feel welcome and provide you with the support you need.
I can highly recommend Carol Brown at Your First Mortgage Company, she is truly knowledgeable about the market place, the technicalities of her client's requirements and situations and always takes the time and listen, understand and search the market to ensure that she is getting the best deals available and ultimately saving her client's money. I can and do recommend Carol as the first person anyone who is looking for a new or change of mortgage to speak to. Keep up the good work!
Ready to talk about your financial choices?
Contact us today for your FREE initial consultation or find out more about how we can provide you with specialist guidance and advice that covers Savings and Investments, Pensions, Mortgages and Protection as well as a range of Additional Financial Services in Newbury, Reading and Oxford.