First Time Buyers

First Time Buyers

Buying your first property can be a daunting thing. 3D Mortgages will ensure the whole process is smooth and hassle free.
3D Mortgages make it as simple as 123 to get your key! 3 Simple steps to get you on the property ladder
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STEP 1

We will sit down with you to discuss your options and the range of mortgages available. We will give you an idea of the upfront costs and monthly payments. As part of this meeting we will complete a detailed budget planner to enable us to identify what you will be comfortable paying. Following a full assessment of your circumstances we will recommend the most suitable mortgage product to you from the whole of the mortgage market and obtain an agreement in principle with your preferred lender all at no initial cost. Being in receipt of an agreement in principle allows you to go and view houses knowing a mortgage is ready to proceed with. Once a property has been found we can even do the negotiating on your behalf with the relevant estate agents.

STEP 2

Once the property has been found and a price agreed we will help you instruct a solicitor who provides a great quality of service at a good cost. We will then invite you back to complete the full mortgage application on your behalf. We will request from you, certain supporting documents to allow us to complete this for you and then ensure everything is submitted for you. Once this is done a survey will be required on the property which again we can advise you on the different types of surveys out their and even instruct certain surveys for you. Once the survey is complete and all supporting documents are in and acceptable the lender will agree your mortgage and you and your solicitor will receive a mortgage offer.


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STEP 3

So the mortgage has been agreed and the solicitors are working away. The next thing to consider is protecting the mortgage. We will tell you about all the available options and highlight the benefits and risks. Based on your budget we will recommend the most suitable protection package to you using our panel of leading providers. We will also ensure that buildings insurance is all ready for exchange of contracts which is a mandatory requirement.
We will be on hand throughout the whole process to ensure you receive the keys to your nice new dream home, whether that be liaising with solicitors, estate agents or lenders we will ensure that your first property purchase is as easy as 123. 
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Your home maybe repossessed if you do not keep up repayments on your mortgage. 

All your Mortgage services, in one place.

We offer a wide range of services to meet every type of need and mortgage requirement. We use cutting edge technology to research the whole of the mortgage market, to get you through the mortgage maze with no hassles.
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