First Time Buyers

Where to start?: Purchasing your first property can appear a daunting prospect, but Breeze Financial can help you every step of the way. Firstly, you need to work out how much you can afford so why not try our online Mortgage Calculator. The calculator will give you a rough indication of how much you may be able to borrow but other factors including existing loans, other credit commitments, financial history and choice of lender will all influence the final amount. For a more accurate guide call your Breeze Financial Advisor on 08458 508458 or email us now.
No Deposit?: Having a large deposit certainly opens up more options but Breeze Financial have access to a large selection of 100% and 100% plus mortgages allowing you to buy without a deposit and providing you with surplus funds to assist with the costs of moving and furnishing your new home if required.
Getting an Agreement in Principle: Having a mortgage agreed in principle is a simple process that can give you the upper hand when negotiating to purchase your new dream home! An agreement in principle gives you the confidence that you will have the money available as and when you need it without putting you under any obligation whatsoever. Call us on 08458 508458 or email us now to arrange a free consultation with one of our friendly advisors today.
Choosing your home and making an offer: FInding your ideal home should be a fun process and once found you should decide how much you want to pay for it. Your Breeze Financial consultant can help guide you through this process and assist in negotiations if necessary. Most properties are suitable security for a mortgage, however if you intend to buy something a little unusual it is always worth speaking to your advisor before committing to purchase.
The Purchase Process: Once you have had an offer accepted subject to contract, its time to appoint a solicitor and we will be more than happy to point you in the right direction in this regard. At this point we will review the entire mortgage market to help you find the right deal and get the mortgage application underway. The lender will require the property to be valued but it is often advisable to have a detailed Survey of the property you are buying and we can provide assistance in finding a firm of surveyors to do this on your behalf.
Exchange of Contracts & Legal Completion: When your mortgage has been processed and formally approved, you will recieve a 'Mortgage Offer'. Once the solicitor has this and has completed all the relevant searches, enquiries and contract documentation, you will be ready to exchange contracts. In England and Wales, this is the point when the buyer and seller become legally bound to the transaction and at which point all relevant insurances should be affected. On exchange a 'completion date' will be agreed (normally a week or so after) and on the day of completion, the final legal transfer of ownership of the property will take place. This is the point at which the property becomes yours and the mortgage starts. You can then move in and enjoy your new home!; Click here to make an appointment, email us or phone now on 08458 508458; Download "Key Features about our services"