First Time Buyers

Getting onto the property ladder can seem quite daunting but with Mortgage IQ it doesn’t need to be.

Book Appointment
First Time Buyers

We can guide you through the process and can offer tailored mortgage advice specific to your circumstances. Our advisers understand it’s all new to you and will explain everything in simple terms and at your pace.

Our experienced team will liaise with the lender, estate agent, solicitor and anyone else in the chain keeping you informed each step of the way.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Steps to getting a mortage approved

Book Appointment

Step 01

Meet an adviser

Find out how much you can afford and get an agreement in principle.

Step 02

Start looking

Find your perfect house- we’ll stay in touch throughout and if you have any questions we’ll be there to help you along the way.

Step 03

Make an offer

Once your offer is accepted its time to apply for your mortgage.

Step 04

Apply for your Mortgage

Meet your adviser again to submit your mortgage application, they will search the market and make an independent recommendation on the best mortgage for you based on their expert knowledge.

Step 05

Protect your home and yourself

Your lender willl insist that you have buildings insurance, at Mortgage IQ we can help with this and protecting you and your income to help ensure you can continue to pay your mortgage should the worst happen.

Step 06

Collect your keys

Complete on your mortgage. We will guide you through completion day to ensure your lender, solicitors and vendors are all aligned to ensure a seamless completion day.

HOW MANY PEOPLE ARE APPLYING?

Applicant 1

Yearly Income

You could borrow

Change amount to borrow

Amount to borrow

Input amount to borrow value

What will my monthly mortgage payments be?

 

Mortgage Term

Input mortgage term

Interest Rate

Input interest rate

Your monthly payment will be

Assuming interest rates stay the same

The total amount you will pay over the term is

0 capital and 0 interest.

Mortgage debt over time

 

These results are for a repayment mortgage and are only intended as a guide. The amount you can borrow may be more or less than this. Please make sure you obtain accurate figures from your lender before committing to any mortgage.

It looks like you could borrow between:

£120,000 - 150,000

This means with the minimum required deposit of 10% you may be able to buy a house up to £0.00.


Next Steps

By answering a few more questions, we can check exactly how much you can borrow (and also check your eligibility for a mortgage) with top mortgage lenders.

These results are for a repayment mortgage and are only intended as a guide based on income multiples, not taking into account your specific circumstances. The amount you can borrow may be more or less than this. Please make sure you obtain accurate figures from a member of our team before committing to any mortgage

Your home may be repossessed if you do not keep up repayments on your mortgage

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What our customers say

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Mortgages don't have to be complicated.

We'll do the hard work to find your perfect mortgage.

IQ & Co

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