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First Time Buyer
House purchase is as much emotional and personal as it is financial.
That is one very good reason to get impartial, independent advice about the best way to finance your first home.
This is not a step to take lightly. Even a small mistake could be very costly. A 1% difference multiplied by £100,000 over 25 years is a high cost to pay. Equally not having the correct insurance protection can be disastrous.
What can I afford? Do I need a deposit - what are the implications of not using a deposit? Who do I need, what steps must I take, what are the pitfalls? What is the difference between fixed, discount, tracker, capped - and all the other - mortgage types?
Can't I just arrange the mortgage myself? Does it matter that I have quite a lot of debt?
What are the options if I share?