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A First Time Buyers Guide to Buying Your First Home
Although this is aimed at first time buyers, this guide can be used by anyone buying a house.
The whole process can seem a little daunting and is probably one of the most stressful times in anybody’s life. We have summarised the steps involved in making sure everything runs as smoothly as possible so just follow the explanation for a step by step guide.
Step 1 of 5 - Arrange your mortgage
Use our range of mortgage calculators to find out how much you can borrow and then use our mortgage sourcing tool by clicking 'view latest mortgage deals' to get a general idea as to whether you can comfortably afford the monthly payments.
However, we strongly recommend that you Contact Mosaic Mortgages for independent mortgage advice on the best mortgage for your particular circumstances. Following a full financial factfind discussing your circumstances & mortage requirements, Mosaic Mortgages will supply you with recommendations and advise you of the most appropriate product for your needs as well as advising you of the maximum loan available to you, the amount of deposit required and full details of all the associated cost involved in the purchase. (These will include valuation fees, mortgage payment, associated protection costs, legal fees, stamp duty, land registration fees, buildings & contents insurance and mortgage indemnity premium if applicable.)
Don’t forget that you will also have removal company costs if you are moving house!
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