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Expert Mortgage Advisors for First-Time Buyers in Barry

The experts in first time buyers in Barry. Bad credit? Complex income? or Self employed? Get matched to a broker right for you and get the ‘yes’ you’ve been waiting for.

 

No impact on your credit score

Gifted Deposit

If a close family member is planning on gifting you a deposit, we can help. We work with a large number of lenders that accept gifted deposits, even if you don't have any deposit yourself.

95% mortgages

We work with a variety of lenders that offer 95% mortgages, as we have access to a large number of lenders, you can be certian, that you are getting the best possible deal, based on your circumstances.

Concessionary purchase

You may be purchasing a property from a family member or friend and have agreed on a reduced price. We work with lenders who are happy for this to happen.

Expert Mortgage Advisors for First-Time Buyers in Barry

Are you considering a mortgage and wondering if you qualify? Seeking guidance from a knowledgeable mortgage advisor in Barry can be a game-changer, saving you both time and money.

When you’re ready to submit your mortgage application, our experienced advisors will carefully assess your situation and unearth the best deal tailored to your needs.

Determining the right lender for you involves a thorough analysis of your affordability. Our Barry mortgage advisors delve into your yearly income and credit history. This comprehensive evaluation allows us to ascertain the amount you can borrow confidently.

Your desired deposit amount plays a pivotal role in the available mortgage options. At EM Financial, we boast an extensive network of lenders well-versed in varied requirements. By meticulously reviewing your income, expenses, and credit history, our advisors empower you to secure the most favorable deal.

The EM Financial Advantage: How We Can Help

As a first-time homebuyer in Barry, embarking on this significant mortgage journey might feel exhilarating yet overwhelming. Rest assured, our team is here to guide you every step of the way, alleviating your concerns and queries.

Navigating the home-buying process isn’t always smooth sailing, even for seasoned buyers. However, our adept team is committed to delivering peace of mind and minimizing stress as you make this important investment.

Thanks to our wealth of experience as a trusted mortgage broker in Barry, we’ve assisted numerous first-time buyers in realizing their homeownership dreams. Our knowledgeable mortgage advisors are readily available to address your questions and concerns at any stage of the process.

 

Enhancing Your Mortgage Journey

Our dedication to expertise, reliability, and trustworthiness sets us apart in the mortgage industry. With a personalized touch, we ensure your mortgage journey is seamless and rewarding. Whether you’re seeking clarity on mortgage types, interest rates, or navigating complex financial aspects, count on us to be your steadfast partner.

Contact us today to embark on a confident mortgage journey with EM Financial.

We search 1000s of mortgage deals in Barry

Your Path to Homeownership Starts Here

How to get started - Our simple 4 step process

Step 1

Press 'Get approved' Below, the link will take you to a short form.

Step 2

We'll match you with a mortgage broker based in Barry.

Step 3

You're mortgage broker will contact you to discuss your mortgage options.

Step 4

If you're happy, we submit your mortgage application and guide you to completion.

who we help

Bad Credit

We understand that life events happen that may cause credit issues. However, we have helped numerous clients obtain mortgages despite their credit.

who we help

Debt consolidation

Debt consolidation can be a great option if you are looking to free up your disposable income.

who we help

Self employed

When you’re self-employed, it can be a challenge to get a mortgage. Our team is experienced in helping self-employed individuals get a mortgage in no time.

who we help

First time buyers

Getting on the property ladder can be both exciting and daunting. We’re here to help.

Buying a home? We'll take care of everything!
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Mortgage products

We beleive

We believe homeownership should be accessible to everybody, that’s why we strive to work with our clients to find them a suitable mortgage. 

1000+

customers helped

50+

Years Experience

Feel free to ask any question to us

Get Approved now

Common Questions

What mortgage can a first time buyer get?

As a first time buyer, there are a variety of schemes available, designed to help you get onto the property ladder, As an expert in first time buyers, we will help you navigate the number of schemes available, and recommend the best scheme for you, best on your personal circumstances. 

How much deposit do first time buyers need to get a mortgage?

Typically, first time buyers require a minimum of 5% deposit, however, there are schemes avaiable that allow this to come from family members, who just need to keep the 5% in a savings account or they can use some equity in their property.

Can I buy a house with a 10K deposit in the UK

A 10K deposit will allow you to purchase a £200,000 property. This is based on a 5% deposit, however, it is important to make sure you have enough saved for other costs associated with getting a mortgage, such as, stamp duty (or LLT), legal costs, valuation costs and sometimes, broker costs. 

What qualifies a first time buyer

If you have never owned a property before, you are a first time buyer, however, some lenders will consider you a first time buyer if you had owned a property before, but sold it over 3 years ago. 

How long do I need to be in a job to get a mortgage

There is a common myth that you need to be employed for 6 months, however, this is untrue. Some lenders will accpet you with 1 months, and even some, you don’t have to have started your new role, they will want to see the contract. 

When does help to buy stop?

Help to buy ended on the 31st March 2023 in England, however, if you are looking to purchase a property in wales, it has been extended to March 2025.

Why Choose us | mortgage broker Barry

We have a large variety of lenders on our panel that each have their own distinct first-time buyer mortgage products and lending criteria. This frequently implies that we have access to things that aren't commonly found on the high street. Whatever your scenario, our incredible team of qualified first-time buyer mortgage brokers in Barry will use their expertise to try and save you both time and money by finding you the best possible deal for your circumstances.

Take a look at our great client reviews to get a true sense of the high levels of customer service we constantly aim to deliver. We will always keep you up to date and strive to deliver you a stress-free first-time buyer advice service. no matter what stage you are at in the process, EM Financial we can help.

As a professional and speedy first-time buyer mortgage broker in Barry, we will provide complete support and direction throughout the mortgage process. We will do everything possible to alleviate any anxieties you may have throughout the process and will answer all of your questions as thoroughly as possible. We truly hope that you will find us useful during your process, as we are adaptive to your bad credit mortgage requirements.

When you deal directly with a bank or lender, you will have far less options than if you speak with a Barry first-time buyer mortgage broker. Banks and other lenders will only have access to their own deals and products, however we can search through 1000s of deals across our panel, selecting the best one for you and your circumstances.

Our professional and devoted Barry first-time buyer mortgage and protection brokers are well-versed in various lenders' requirements and products. As a Barry first-time buyer mortgage broker, we can look around for the best mortgages, completing the legwork on your behalf. This saves you time and money by avoiding the need to speak with different lenders.

We have helped numerous customers with a low credit score, self-employed, falling outside of lender criteria, and having a low borrowing capacity, to name a few. While challenges exist, as a first-time buyer mortgage advisor in barry, we can assist.

Our first-time buyer mortgage advisers have assisted a wide range of consumers in a variety of situations. We give comprehensive first-time buyer guidance in a variety of situations by leveraging our extensive understanding of first-time buyer lender criteria.

We offer a free mortgage appointment to all of our customers, new and old, as a well-known first-time buyer mortgage broker in Barry with a reputation for being open, honest, reliable, and responsive.

During this appointment, your designated first-time buyer mortgage advisor will review your situation and discuss your goals. Our customers are our top priority, and as a mortgage broker in Barry, we'll make sure to recommend the greatest available deal to you while also relieving your stress.

Request your free first-time buyer mortgage review today, and we'll see how we can assist you on your mortgage journey!

EM Wales is a trading style of Estates Mitchell Limited is Authorised and Regulated by the Financial Conduct Authority under Registration Number 948488 at www.fca.org.uk/Register 

The Financial Conduct Authority does not regulate all aspects of Commercial and Buy to Let Mortgages.