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First Time Buyer Mortgage Advice in Sheffield

It's free to speak with a mortgage advisor
7 days a week, 8am - 10pm

0114 407 0086 Speak to an Advisor - It's Free!
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First Time Buyer Mortgage Advice in Sheffield

Are you a first time buyer in Sheffield? Discover your borrowing potential and move closer to securing your dream home. Start your mortgage journey with an expert today.

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Looking at getting a first time buyer mortgage in Sheffield?

In a world where mortgages are huge financial commitments, as a first time buyer, it can be a little scary to get your process started. As a mortgage broker in Sheffield, it’s our job to take all of the stress away and hold your hand through the whole process.

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First Time Buyer Mortgage Advice in Sheffield

We will be with you throughout the whole process!

It’s not just about getting a mortgage it’s about the journey and how you got there. We will make the process simple and tell you everything that is going on at all times; your mortgage advisor in Sheffield will be right by your side from start to finish.

Are there ways to help me get onto the property ladder in Sheffield?

If you can’t quite reach the minimum deposit requirement, you could take a look at utilising government mortgage schemes. These schemes were introduced to help first time buyers like yourself onto the property ladder. Book in a free mortgage appointment with one of our mortgage advisors in Sheffield to discuss all of your options, including the different government schemes available.

There is the Lifetime ISA, Shared Ownership, Mortgage Guarantee Scheme, the First Home Scheme and many more. Each one of these schemes can help you get onto the property ladder in some way. Of course, you’ll have to qualify for them first. That’s where we come in, your mortgage broker in Sheffield is here to help!

For further first time buyer mortgage advice in Sheffield and explanations of each government mortgage scheme, get in touch with our team today. Our mortgage advice in Sheffield can help you apply for a mortgage and check whether you can access any of these schemes.

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FAQ's From First Time Buyers in Sheffield

How much deposit do I need for a mortgage in Sheffield?

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This all depends on your credit score. As a mortgage broker in Sheffield, we have found that first time buyers usually have a good credit score, and with a good credit score, you may be able to access better mortgage rates and be able to put down a lower deposit, e.g. 5%.

On the other hand, if you are a first time buyer with a low credit score, you may only be access lower rates and have to put down a higher deposit, such as 10-15%. Your deposit amount will also vary depending on the property that you’re looking to buy. The more expensive the property, the higher the initial deposit you’ll have to put down.

What type of first time buyer mortgages can I get in Sheffield?

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As a first time buyer in Sheffield, you can explore various mortgage options, including fixed-rate mortgages, variable-rate mortgages, tracker mortgages, and Help to Buy schemes, which provide government-backed equity loans to assist with purchasing a new build property. Different mortgage lenders in Sheffield offer different terms and rates, so it’s essential to research and compare to find the most suitable option for your financial situation and preferences. Additionally, eligibility criteria and deposit requirements can vary, so consulting with mortgage advisors and brokers in Sheffield like ourselves can help you navigate the choices and secure the right first time buyer mortgage for your needs.

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Our Simple Mortgage Process

Free 30-Minute Mortgage Appointment

Step 1

Speaking with our expert mortgage advisor in Sheffield they will conduct a thorough assessment of your income and expenses during a complimentary free mortgage appointment.

We Can Search 1000s of Mortgage Deals

Step 2

Our team of experts can search 1000's of deals tailored for first time buyers in Sheffield. This will set you on the right path towards becoming a homeowner.

Following your consultation, we will promptly secure your mortgage agreement in principle (AIP), usually within 24 hours.

Submit Your Mortgage Application

Step 3

Once your offer on a property is accepted, our dedicated mortgage advisor in Sheffield will take care of submitting your mortgage application and any additional documentation required by the lender.

Protecting You and Your Mortgage

Step 4

In addition to finding the most suitable mortgage deal for first time buyers in Sheffield, our team is devoted to helping you obtain comprehensive insurance coverage to safeguard you and your loved ones financially.

Why choose us for mortgage advice in Sheffield?

Free Mortgage Appointment

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Our job is to provide you with a fast and friendly mortgage advice service. We will try and find you a mortgage product perfect for your personal and financial situation.

You can book in your free mortgage appointment online by using our new booking feature. It’s quick and simple, like our mortgage advice in Sheffield!

1000s of Deals

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As a mortgage broker in Sheffield, we have access to many competitive mortgage products. With over 30 lenders on panel and a great relationship with each one of them, we may just be able to find you that one in a hundred deal that you were looking for!

Our Service

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Our excellent customer reviews are a great representation of our service. We have built up a large number of reviews from our happy customers, take a look if you’re interested.

As a responsive mortgage broker in Sheffield, customer service is at the heart of the company, we want to make sure that you feel comfortable and secure during every step of the process.

7 days a Week

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Speaking of booking in your free mortgage consultation, we are available 7 days a week. This means that you can book in your own appointment with a mortgage advisor in Sheffield at a time that suits you best. We are also open during out of office hours, therefore, you can book in before or after work.

Malcolm and Amy Davidson - Mortgage Advice in Sheffield

We Search 1000s of First Time Buyer Mortgages in Sheffield

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Common First Time Buyer Mortgage Scenarios

How much can you borrow for a mortgage in Sheffield?

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If you are struggling to work out how much you can borrow, you can either get in touch with one of our mortgage advisors in Sheffield or get a rough estimation by using our affordability calculator.

Depending on various factors, such as your income and earnings, the amount that you can borrow will change. We will be able to give you an accurate figure once we have carried out our free affordability assessment on you.

Ready to make an offer on a property?

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Once you’ve found a property that you want to make an offer on, you now need to arrange the mortgage part of the process. Once you’re ready to move onto this stage, you can easily book a free mortgage appointment online with a mortgage advisor in Sheffield.

In some cases, we will have availability for the same day, meaning that you can speak to an expert straight away!

Has your offer already been accepted?

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An accepted offer means that you need to get your mortgage process started right away!

Preparing your mortgage application with a mortgage broker in Sheffield can often speed up the mortgage process. We know what we are doing, we have been in this game for over 20 years.

Looking for an agreement in principle ahead of your mortgage?

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An AIP is a ‘must have’ for your mortgage journey. They will help you through most stages of the process. An agreement in principle shows your seller that you can continue straight away. You just need to provide evidential documents to support your application – our team will help you with all of this.

Struggling to get accepted for a mortgage?

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If you’re struggling to make it through the mortgage on your own, you should get help from a mortgage expert.

There’s nothing wrong with getting help! If you’re looking for help, take our hand and let a mortgage broker in Sheffield like us, guide you through the process.

Contact us to book your free mortgage appointment with a mortgage advisor in Sheffield.

Mortgage Guides & Sheffieldmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at

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