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First Time Buyers
Need a mortgage? Maybe you're a first time buyer and need a mortgage with a minimum deposit?
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Purchase / Remortgage
Need advice on the dos and don'ts of buying your next home? Fixed rate ending and need to remortgage?
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Other Products
Life Cover, Buildings and Contents, Sickness, Accident and Redundancy Cover, Secured loans
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Adverse Credit
Maybe you’ve got bad credit or County Court Judgments? We’ll find someone to listen with a sympathetic ear.
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FAQs
Watch short videos of our C.E.O. answering the questions most asked by our clients.
First Time Buyer?
What a BIG decision!
That's why, here at the Mortgage Point, we want to help you get the right advice, the right package and the right afforable mortgage.
You see, some first time buyers find themselves in a vicious circle .....
You don't know if you can afford the property you just found.
You don't know if you can get a mortgage.
The seller has other buyers waiting and isn't sure you can afford the property either.
You need to move quickly otherwise you may lose the property of your dreams
Here at The Mortgage Point we have a way of solving the problem. We may even be able to acquire, on your behalf, a mortgage where you would not require a deposit for your portion of the property (shared ownership). With such a respected name in the high street, we'll help you not only get the right deal, but we'll also ensure that you have a Mortgage Guarantee Card to prove that you have the money agreed, and that (subject to survey) you're in a position to buy and will not hold up any sale - a very strong position to be in, as a first time buyer.
We’ll find you the best deal for your new purchase by searching the whole of the market place on your behalf. This benefits you because if you go to a high street bank or building society you will only get what that bank or building society has to offer, whereas if you come to The Mortgage Point you will get what the market place has to offer and we will deal with everything from your initial approval all the way to completion.
What is shared ownership and who can buy shared ownership housing?
Shared ownership housing schemes are usually intended for people who cannot afford to buy a suitable home any other way. Applicants must usually be in housing and be unable to afford the outright purchase. Priority will often be given to people on the local authority or the housing association waiting lists.
However, when a new housing scheme is developed that includes shared-ownership homes for sale, housing associations often have to work hard initially to sell the shared ownership properties. This is because, when the new homes are first available the association usually has a number of homes available for sale all at one time. Consequently, if you are interested in shared ownership housing don't be put off by the bureaucracy. Apply to the local authority or a housing association that offers shared ownership housing in your area as soon as possible.
You don't have to find a new housing development to be able to buy a shared ownership property. When shared owners want to move home, their property will either be offered to the housing association to find a buyer, or will be advertised in the local estate agents.
How can I get a mortgage on my shared ownership home?
Here at the Mortgage Point, we can help you ! Simply click here to Speak to a Mortgage Advisor.