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1st time buyer

Can someone help, we are looking to buy our first house, I earn 31599 my partner ears 21500 we both work full time, I have an 8000 loan that I am paying off and 3000 over draft.
I need some morgage advice but don't even know who to go to or what to ask or do can someone help. If I apply for a morgage do I have to pay the advisor ?

Comments

  • Gonzo1987
    Gonzo1987 Posts: 1,208 Forumite
    Find a local independent financial advisor and they will advise you of your options. Google or ask an agent local to you.

    Most will require a fee. You wouldn't do a job for free.
  • ACG
    ACG Posts: 25,094
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    Forumite
    If you want advice you are best speaking to a mortgage advisor.

    Some broker charge, others do not. Others it will depend on the amount of commission/your circumstances.

    If you do find a fee charging broker best to pay on offer or completion (rather than upfront).
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • Argghhh
    Argghhh Posts: 352 Forumite
    use your bank initially to get an idea then decide if u wish to look elsewhere

    free advice and will answer all ur basic questions
  • efbe
    efbe Posts: 17 Forumite
    the advisor should be free for the first meeting, they will say if not

    and your student load doesn't get factored in, though your £3000 debt may.

    I would suggest clearing this before going through the process. You are quite likely to get knocked back otherwise, as regulations have just got a lot tougher
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