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Home Buyer Mortgages

(Moving Home)

The mortgage market can be confusing, with so many products to choose from. Your adviser will take the confusion out of Home Buyer mortgages and present impartial options, allowing you to easily make sense of what is available.

Home Buyers in Bristol

Whether you are moving upmarket, relocating, or downsizing, you want to know you have the lowest cost solution to your needs, and you want the process to be as smooth and as hassle-free as possible.

We will work out how much you would be able to borrow and then find the most suitable mortgage to suit your circumstances. 

We can get you “Seller Ready” by reaching an agreement in principle so you can confidently place your home for sale (and show you are a qualified buyer to your next agent).

If you have an early redemption charge (ERC) on your existing loan, we will check you meet the lender criteria and consider if porting is the most cost-effective solution before going “the whole market”. 

Whichever mortgage we select, we show how we arrived at our solution and break down the costs to demonstrate that our advice is the lowest cost. 

We can help by recommending solicitors, estate agents, surveyors, specialist reports, and review your protection with our tried and trusted partners, giving you one point of contact for your home moving needs. 

How much deposit do I need to buy a house in Bristol?

Currently, a 5% deposit would be the starting point when looking for a house, but a larger deposit would open up the number of lenders able and willing to lend money through a mortgage. 

How much do I need to earn to get a mortgage of £200000?

How much is stamp duty in the UK?

Stamp Duty Land Tax (SDLT) is payable based on the property price when buying a residential property. Currently, the is no SDLT on properties valued up to £250,000. For property valued between £250,001 and £925,000, you will pay SDLT at 5% on the property purchase amount above £250,000. Between £925,001 and £1,500,000, you will pay SDLT at 10% on the property purchase amount above £925,000. With any valuation above £1,500,000, you will pay SDLT at 12% on the property purchase amount above £1,500,000. 

The majority of mortgage lenders would consider lending up to 4.5 times your annual salary. Based on this, you would need to earn at least £44,445 per year. Mortgage lenders will also check your affordability, considering any loans and credit cards that you hold. 

Is £10,000 enough for a house deposit?

A £10,000 deposit would be a start when looking for a property value of around £200,000. Your salary level is also crucial as mortgage lenders will lend based on a multiple of your salary. Other points to consider is your affordability and credit score. 

Home Buyer Mortgage Questions

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We will not treat you like an expert because you own a home and already have a mortgage. 

If you are a first-time seller, unlike when you first purchased, there are now two transactions to synchronise, so there are some extra plates to spin.

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Reviews and Ratings for Financial adviser James Coghlan, Bristol

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage.

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