Helping first-time buyers to get their foot on the property ladder
We’re here to support first-time buyers every step of the way; from working out how much you can borrow to helping you understand the application process.
Getting a mortgage for the first time can be a daunting experience. Thanks to steep property prices, first-time buyers generally speaking have smaller deposits. Consequently, this means they need to borrow more which limits the number of products and lenders available to them. In recent years, some lenders have introduced new product ranges to help more people take their first step onto the property ladder. This has created an abundance of 95% loan to value mortgages, in addition to products which allow a parent or close family member to act as a guarantor.
For many people, a mortgage is the largest investment they will ever make. So it’s crucial that you speak to an experienced Mortgage Adviser who can search through the mortgage maze to advise you on the best product available to suits your needs.
Here are a few reasons why you should contact us:
- You who have never had a mortgage
- You want a close family member to be a guarantor on your mortgage
- Your deposit will be gifted cash or equity from a close family member
- You are self-employed
- You are a contract worker or on a zero hours contract
- You only have a 5% deposit
- You have some current or historic adverse
- You have already been turned away by high street lenders
Find Out How Much You Could Borrow
We’ve designed our mortgage calculators to provide you with an idea of the amount you could borrow and how much it will cost you each month.
To get an accurate quote; based on your income, expenditure and any commitments, we recommend that you speak to our Mortgage and Protection Advisers
You could borrow up to
Calculate Your Monthly Payments
We’ve designed our mortgage calculators to provide you with an idea of the amount you could borrow and how much it will cost you each month.
To get an accurate quote; based on your income, expenditure and any commitments, we recommend that you speak to our Mortgage and Protection Advisers
It would cost
The Latest Best Buys
Our best buy tables allow you to compare thousands of products to give you an indication of the types of mortgages available to you. Please be aware that the information is computer generated and relies on certain assumptions, like your credit commitments and monthly expenditure.
When you’re ready for an accurate quote that is personalised to your individual requirements, call our Mortgage and Protection Advisers on 01702 538 800 for a free no obligation quote.
Why Use Ingard?
We compare every lender in the marketplace, which means we can access lenders who only deal directly with qualified advisers.
Our qualified advisers are salaried, so you can be sure that you are receiving the best impartial advice.
We promise that you won’t be passed from pillar to post. One of our qualified advisers will deal with your application from start to finish.
Your initial consultation is completely free. We will only charge you a fee if you decide to proceed with your application.