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The fact is that in 2012 there are going to be more first time buyers looking at their options than ever before. Property prices have come down and are more attractive than ever. But as we know,the mortgage market has changed too.
Lenders have less money to give out so are more selective when it comes to an application.The amount of deposit is very important at the moment, and this will determine to a large extent the % rate you will pay. Some lenders require more deposit than others. A clean credit profile is essential.
It has never been more important to speak to an qualified advisor such as ourselves.
At Mortgage Solutions we pride ourselves on explaining things in a straightforward manner to take the mystery out of buying your first home.
We can also ensure your application is professionally put together to give you the best possible chance of success.
Our Premier Service Promise;
1. When buying a property, the first thing we will do is assess your circumstances and affordability. Once we know your financial position we will be able to assess exactly
how much you can afford to realistically borrow. Remember, a mortgage is a huge financial commitment and it is vital that you can afford the mortgage not only today, but
into the future.
2. We will then seek to put you in the strongest possible position by issuing you with a Mortgage Certificate, and where appropriate, a decision in principle from a specific
lender with whom you match criteria. We will speak directly with the selling Estate Agent to confirm your eligibility before they put any 'offer' forward to their vendor.
3. We can recommend and instruct a reliable solicitor on your behalf. This may save you money and unnecessary stress.
4. If your 'offer' is accepted, we will process your mortgage application and deal with any requirements that the lender may require on your behalf. We will keep you up-to-date
at all stages of the application, usually by telephone.
5. We’ll advise you and arrange any insurances that you may require to protect your mortgage. (Please check the Insurances Tab above for more information)
6. Your mortgage adviser will make sure that your mortgage and protection applications proceed as smoothly as possible by liaising with all third parties, saving you time
and effort.
7. When your mortgage offer has been issued, we will help to explain all the terms and conditions to you and check to ensure they accurately match your requirements.
8. Pre exchange and completion checks will be made to help ensure nothing has been missed that may cause a delay.
9. Following the completion of your mortgage, our service team will call you to ensure you are happy with our service and to answer any questions that you may have
concerning your mortgage and protection products.
10. We'll keep in contact with you and arrange regular mortgage and protection reviews to ensure you continue to benefit from the most competitive products. 
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