First Time Buyers - "You find the house, we’ll find the mortgage"

The array of different mortgage schemes and information now available to the unaquainted first time buyer can often be overwhelming - "Do we need a deposit, or can we get a 100% mortgage? ....should we take a fixed rate, a discount or what about a tracker? ...and should we be looking at interest only or repayment ...and what about the valuation, solicitors and estate agents !? ..who arranges the insurance? ..its a headache!"

Although most first time buyers have a good idea of what they want, they usually require some kind of advice and guidance. Having been bombarded with TV, press and internet advertising as well as the well meaning friends and family advisor, they simply want to receive easy to understand information in plain English on the different kinds of mortgages available. With over 25 years experience, Dean St and packaging partners have arranged several thousand mortgages over the years and we pride ourselves on helping First time buyers take that first step onto the home ownership ladder. Mortgages are available up to 125% of purchase price and with over 2000 mortgage schemes available across the UK, Dean St will help you to find a product which suits your budget, liase with Estate Agents, arrange Solicitors to carry out the legal work, Buildings & Contents Insurances and any mortgage or life assurance protection helping you through each step to exchange and completion.

• Mortgages available up to 125% of purchase price (settle loans or buy a car as well as buy your house)
• Professional Research - Fixed, Discounted, Capped & Tracker products, over 2000 to choose from updated daily
• Recently Self Employed with no accounts or accountant
• No formal evidence of earnings (payslips or accounts) up to 90% or even 95% - for both PAYE & the self employed
• Right To Buy - buying from your local authority, housing association or council
• Shared Ownership or Shared Equity Purchases - part buying and part renting your home
• Assisted home mover schemes
• Builders and Vendors Gifted deposit schemes - they pay the deposit we get the mortgage
• Self build mortgage schemes - building your own home or converting a barn!
• Non standards construction properties - concrete and timber framed
• Ex-local Authority Owned and flats above shop properties, some high rise flats considered
• Impaired Credit Schemes - CCJ’s, defaults, or recently discharged from Bankruptcy or currently under IVA/Trust Deed

(Mike Richardson MICM MLIA(dip) CeMAP)