Adele Holmes CeMAP
Independent Mortgage Consultant based in Dorset
Call: 07809 178 104

Adele Holmes CeMAP

Dorset
T: 07809 178 104

First Time Buyer Mortgages

As a first time buyer, buying your first home will be very exciting but can also be an extremely daunting experience. Many of our existing clients have been first time buyers and they didn’t know where to start. At Blueberry Mortgages we are proud to have helped them through the process from the very beginning.

Since the financial crash in 2008 the Government has regularly introduced initiatives to attract more first time buyers in the UK property market. Mortgages can now be secured with deposits as little as 5%. In addition to this, schemes such as “help to buy ISA’s” and “help to buy mortgages” can prove to be very attractive. Finally there is also the option of an equity share mortgage which is a cost effective way of getting on to the housing ladder.
For any estate agent to take your offer seriously they will want to see that you have a Decision in Principle (DIP) in place. DIP’s are also known as Acceptance In Principles (AIP’s).

In reality DIP’s and AIP’s are exactly the same thing, they are a certificate from a mortgage lender saying how much they will lend you subject to property valuation and standard underwriting.

Most of our first time buyers ask us to obtain a Decision In Principle for them before they go to look for their first house. The DIP’s give our clients peace of mind as to how much they can borrow along with the confidence that estate agents will take their offers very seriously.

When looking for the best first time buyer mortgage available to you we will:-
  • Arrange a free appointment by phone or Face to Face within 24 hours
  • Find you the best possible mortgage to match your personal needs
  • Calculate how much you can borrow with all lenders (they are all different)
  • Let you know what your monthly payments will be
  • Obtain a decision in principle within 24 hours
  • Look for Cash Back offers & Free Valuations
  • Fully analyse your credit file should the need arise
  • Manage the whole process until you get the keys to your new home

Specialising in first time buyer mortgages, we’ll search the whole of the UK market
and find the best product available for you.

Contact us today on 07809 178 104