This is almost certainly the biggest single financial decision you have made in your lives (and we know you don’t have to be pregnant - or part of a couple - to do it)!This is a serious financial decision that is going to have a major impact, one way or another, on your way of life for many years to come.Over the last nine years or so I have helped many first time buyers through what can seem a very daunting process to them - and I recognise that you will often require more time, information and explanations, together with general guidance, than more experienced property owners.I not only happy, but recommend, that you speak with me early in the process - when you
are first considering the possibility of purchasing your first home at some time in the future - this way I can help you start to prepare, without any pressure, and understand the many factors and options that are involved. I make no upfront charges to you for such help and input until such time as you are fully ready to make the mortgage application. As for all my clients, I am at the end of the phone at any time (or you are welcome to call in and have a chat) should you come across an issue or opportunity and need some input from someone ‘who’s been there before’ both personally and professionally. If you are a considering your first property purchase at some time in the foreseeable future I suggest you make use of the large amount of information contained on this site, in particular the sections about mortgage structures, guarantor mortgages (the bank of mum and dad) and a joint liability (if you are buying as a couple)- we also have a number of helpful documents available on our Documents/Dowloads and Opinions pages.
THERE MAY BE A FEE FOR MORTGAGE ADVICE - TYPICALLY £250 FOR REMORTGAGE OR £350 FOR PURCHASE - BUT UP TO £500 FOR COMPLEX CASES.YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENT ON YOUR MORTGAGE.
Janet Hall is an appointed representative of TenetLime Ltd which is authorised and regulated by the Financial Conduct Authority.TenetLime Ltd is entered on the FCA register (www.fca.gov.uk/pages/register) under reference 311266.