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First Time Buyer Mortgages

First time buyer mortgages can be confusing. Working with clients throughout the UK, My Mortgage & Protection Experts will help you find the best deals and take the stress out of purchasing your first home.

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  • 5* Rated Service
  • Access to 90+ Lenders
  • SUSSED, Our £ Saving App
  • FCA Regulated, Personalised Advice
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Mortgages

first time buyer

As a first-time buyer, you will have many questions, about things such as first-time buyer mortgage rates. By working with a trusted and professional mortgage broker firm such as MMPE, you will have access to a team of experts who can assist you with these questions and provide you with answers and guidance.

At MMPE, we believe independent mortgage advice is crucial to get the most suitable mortgage for you, but also to benefit from support and get answers to questions such as;

Working with our team of professionals, we will help you gain the answers to these types of questions. Plus, at MMPE we will give you a helping hand and guide finding the right mortgage products for you.

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Mortgages

first time buyer advice

If you are looking for impartial first time buyer advice you have come to the right place. MMPE are regulated by the FCA. What this means is that we can give advice that can be audited. As a business we want to make sure that we carry out thorough personalised research, ensuring that the products and mortgages that we recommend are the most suitable to suit your needs and circumstances.

Gaining Professional Advice could potentially save you £1,000’s over the term of a Mortgage. Get started today with our three simple steps and let our team provide you with everything you need to purchase your first house without the stress or excessive fees.

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3 simple steps

1. Personal Details

Our standard fee for arranging a mortgage is £395. The fee is due upon application of a mortgage loan to the lender.

'A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.'

My Mortgage Experts & Protection Experts Ltd (FCA 937076), is an Appointed Representative of King Mortgages Ltd.

King Mortgages is authorised & regulated by the Financial Conduct Authority (FCA). King Mortgages Ltd is entered on the financial services register http://register.fca.org.uk/ under reference number 803561.

The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

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      Automatic Property Value Updates

      Changes in property value, coupled with a potential reduction in your loan amount (with a repayment mortgage), mean a change in the equity available in your property (Loan to Value); hence there could be improved opportunities for a better mortgage for you.

      Product Expiry Date

      Sussed will track when your mortgage is due to expire (usually when your mortgage payments rise substantially as you will automatically transfer to your lender’s standard rate).

      The app will alert you when it’s the right time to discuss your options with your mortgage broker.

      Sussed can help you plan.

      Rate Riser

      This feature is ideal for today’s economy and increasing prices. Sussed will continually scan the market, looking for the best-fixed rates available, especially when interest rates are rising.

      Using a series of algorithms, our clever technology can identify longer-term fixed rates available today that could save money against predicted rates at the end of your current product term (including the cost of transfer) – sussed is doing all the hard work.

      Equity Available

      With automatic property value updates and your Mortgage information loaded, this feature calculates the amount of equity and the maximum potential loan that may be available within a landlord’s portfolio. This will assist with seeing if there is the opportunity for to perhaps buy another property from leveraging your portfolio.

      Within sussed, you will also be able to see each of your properties with a roadside picture, a confirmed property value, monthly rental, current mortgage balance, payments, interest rate and the Loan to value/Gross rental yield.

      Sussed can help you manage your portfolio.

      Early Review

      This feature is there waiting for interest rates when they reduce. Using the same technology as Rate Riser, sussed will identify if your current deal is now able to be improved.

      Should the interest rates decrease, sussed will compare deals available on the day with your existing deal and flag if there is an opportunity for you to save money by switching.

      Regional Price Limits

      There are price limits on homes you can buy with an equity loan. The limit is different for each region in England.

      • East - £407,400
      • East Midlands - £261,900
      • London - £600,000
      • North East - £186,100
      • North West - £224,400
      • South East - £437,000
      • South West - £349,000
      • West Midlands - £255,600
      • Yorkshire and the Humber - £228,100

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