Mortgage advisor needed - first time buyer

atruefaker

Hello All

I'm looking for a mortgage advisor.

My current status is that I am a first time buyer, with a good deposit and credit rating. I live and work in London.

I'm unsure where to start and would like to start to find a suitable mortgage for myself, as I'm a freelancer and have been told that it is harder for us to get a mortgage.

Any recommendations would be greatly appreciated.

Many Thanks

Newton

Robert_Sterling_3

I suggest that you edit out your email address.

samay007

if you have deposit (above 10%) and good credit rating, i would suggest you can go direct with lenders. currently post office are doing good deal for FTB with 10% deposit.

if you want to go through adviser, you can find one in your area on unbiased website.

koexelek

samay007 wrote: »

if you have deposit (above 10%) and good credit rating, i would suggest you can go direct with lenders. currently post office are doing good deal for FTB with 10% deposit.

if you want to go through adviser, you can find one in your area on unbiased website.

Even as a broker myself, I'd tend to agree.

Most of the 90% deals we can offer are pretty rubbish

Conrad

If you are a freelancer you will need to evidence income with annual accounts prepared by a suitable Accountant. Some lenders can instead write to an Accountant for an Accounts certificate.

If you have 25% or more deposit and a good score you might find lenders wont bother asking for accounts at all.

atruefaker

Hello

I have at least 20% to put down, on the property. So a lender is the best person to deal with?

Thanks

Conrad

20% depsoit means you will need at least 2 years accounts. I dont understand your question?

herbiesjp

Dont forget though, that a broker is not only used to get the lowest deal, a broker is used to make sure that a deal applied for will go through based on personal circumstances, which is not always tied to the lowest rate