We are here to help you get your first steps onto the property ladder, every step of the way.
The mortgage process can be daunting for first time buyers with big decisions like; which type of deal should you go for and how big a mortgage will you be able to take out?
These aren’t the only issues first time buyers have to worry about. Steep property prices in many areas of the country mean some only manage to save a small deposit, restricting their mortgage options.
Therefore, first-time buyers should work with a broker they can trust. At Hello Mortgage we will take the time to fully understand your affordability and needs to ensure we find a mortgage that works for you.
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Freehold or leasehold?
There are three ways to own a property, however, we are Mortgage Brokers and not Solicitors. We'd always recommend you speak with your conveyancer if you have any property ownership questions.
You own the land and everything on it.
You own the property but not the land it sits on. You lease the land from a freeholder and pay them ground rent. Lenders don't tend to offer mortgages on leases with 85 years or less left on them.
Share of freehold
Much more common within a block of flats. You will be the leaseholder but will be part of a group of leaseholders who control the freehold.
What happens if I cant pay my mortgage?
At Hello Mortgage we will always talk to you about protection. This isn't a sales tack-tick but an integral part of our advice journey to protect you, your family and your home.
If you are unable to pay your mortgage payments due to an accident, sickness, unemployment or death of the main breadwinner the lender can repossess your property.
If you are struggling to pay your mortgage or any other loan secured against your property you MUST speak to the lender in the first instance.
Have a read through our guides
Hello Mortgage Limited is registered in England and Wales. Registered Office: Suite 20, Cookson House, River Drive, South Shields, Tyne & Wear, NE33 1TL. Company Number: 10414170. DPA number ZA332902
Hello Mortgage Limited is an Appointed Representative of MyInfinity Finance Limited which is authorised and regulated by the Financial Conduct Authority 672182.