First Time Buyers
Top Tips For First Time Buyers
Have you budgeted correctly? Be realistic about how much you can afford to spend on a house, and ensure the intended mortgage is affordable. Don’t forget to allow for furnishings, and remember older properties may require extensive work, such as re-flooring, tiling or renewing the wiring. Make sure you budget for these likely expenses in addition to the purchase price, along with other fees such as conveyancing and stamp duty.
Ask for a second opinion: When buying for the first time, there may be a number of details to look out for that you may not be aware of. Always take an experienced home buyer with you when viewing a property. If this is difficult to arrange, make sure you at least get some assistance at the second viewing stage.
Look at the local area: Even if you do not have children, remember that property in the catchment area of good local schools will always be much easier to sell on (though it may be reflected in a higher purchase price). Also, write down a list of local amenities which are important to you (shops, gym, cinema etc). Before making any final decision about where to move to, take a stroll or bike ride around the local area.
Think about commuting time: Commuting can be one of the biggest household expenses. Since you’re likely to be spending much more time on domestic chores and/or DIY, minimising your commuting distance could be important. If property is more expensive nearer to your place of work, make sure you weigh up this additional expense when compared to the costs and time of commuting.
*Your home/property may be repossessed if you do not keep up repayments on your mortgage.
What our customers say
"The best mortgage office ........"
"Thank you so much to Joe Mendes and Emmie Roberts for arranging our mortgage. After a bad experience with a different MA Joe saved us !! He knew exactly what he was doing and was so helpful at all times. Also Emmie Roberts for all her hard work behind the scenes to get the company moving for us and delays kept to an absolute minimum!! You guys are great !!!!! My favourite people right now 😊😊😊 I will be recommending you to my niece that will be buying next year".
"Sterling Capital unfailingly provide a very high level of service. I and my business associates have worked with Joe Mendes (of SC) who is not only knowledgeable, but consistently works quickly, efficiently and effectively".
"Super efficient work from Joe Mendes of Sterling Capital, handled my case with the most amount professionalism really amazing service".
"My personal, profound and special thanks to Mr Joe Mendes, a humble, trustworthy, honest gentleman with sophisticated customer service skills, dedicated to providing highest standard of care to costumers. Mr Joe would take my calls on his mobile even at nights and weekends. I have been into buy to let for 14years, I have never encountered a more friendly mortgage team, compassionate, committed, and dedicated. Very affordable price as well. I have already and would continue to recommended Sterling Capital Group. Thank you Joe, Martina, Emmy and the team".
"Great service, knowledgable staff and understood exactly what we needed. Special thanks to Eray for all your help".
"Fantastic throughout. Easy, quick and the best rate I got. Thanks so much".
Rob Swaine PT,ESQ.
"Special thanks to Eray for making the process of remortgaging/purchasing hassle free. Always Available when I needed to talk to him and gave me great advice wouldn’t hesitate to recommend him. Thanks".