Non-Fee Charging
Your first place to call homeFirst time buyer mortgages
Buying your home can be challenging and an overwhelming process at the best of times, let alone for a First Time Buyer. We recognise and understand that and strive to make this whole process as stress free as possible.
Walking you through the steps
All of us at Denyer Hill are fortunate enough to own our own homes. This means that we have all been a first time buyer at one point. Giving first hand experience of all the concerns and questions we know you will have. This gives us a better understanding of how nervous you may be and the amount of questions you will have. You can never ask a silly question and we are on hand to answer all of these with due skill, care & diligence. See the basic steps below
Step 1: Mortgage consultation
Congratulations on taking the exciting leap to purchase your first property!
Before you start exploring houses, the initial step is to schedule a consultation with one of our expert Mortgage Advisers.
During this consultation, one of our Mortgage advisers will guide you through the entire process and explain how we can assist you at each stage. They will also provide you with a comprehensive list of documents required to fully assess your unique scenario and secure the very best mortgage deal for you.
Rest assured, our Mortgage Adviser will thoroughly explain the document requirements during the first call, preparing you for your next step.
Step 2: Mortgage decision in principle and application
Upon receipt of the documents we requested from you, our advisers will research the market using all the tools available to them We will come back to you with our advice and a recommendation of the most suitable product. It is at this point that we can then arrange an Agreement In Principle (AIP) Certificate which most estate agents will want, to understand that you have your mortgage finance arranged.
This is a great opportunity for us to discuss protecting your lives in the form of some protection policies. Whether that is to cover the mortgage debt, protect your income against accident or sickness or furthermore, provide you with a lump sum of money should you be diagnosed with a Critical Illness.
Once you have had your offer accepted on a property, we will then move to the next stage which is full mortgage application. At this point, Denyer Hill will approach the lender on your behalf, with all of your supporting documentation such as payslips, tax documents and bank statements. The lender verifies this information along with arranging a valuation on the property to ensure this is both worth what you are paying for it and also to ensure that it is suitable security to lend money against. If all of those checks are completed satisfactorily, the lender will produce the mortgage offer.
Stage 3: Offer and conveyancing
CONGRATULATIONS – This is the point that the lender is happy with you as borrowers and the property for security. They confirm this by issuing you with a binding mortgage offer.
This document is shared with us, you and you the acting solicitors or conveyancers and the next steps of the process are handed over to them to carry out the legal checks on the property. This is the perfect time for us to pick up about the protection we discussed earlier, to ensure that any policies are in place before you exchange contracts as this is when you become liable for the property.
Why choose Denyer Hill
Experience
Benefit from our 80 years of combined industry experience. Our team holds qualifications such as CeMAP and operates under FCA regulation, ensuring expertise in mortgage financing. With over 6000 mortgages secured, trust Denyer Hill to recommend the best option available for you.
Trust
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As non-fee charging advisers our payment is contingent upon securing a mortgage that aligns with your needs. With our whole-of-market approach, we sift through tens of thousands of options to find you the best available mortgage.
Our Promise
We promise to provide clarity, confidence and peace of mind throughout your homebuying journey. Trust our seasoned team to guide you through the mortgage maze with tailored solutions and unwavering support.
We promise to
– Act with integrity
– Act with due skill, care & diligence,
– Act in the best interest of our customer and to treat them fairly
