Buying your first home can be both exciting and worrying. Not only do you need to find a house, and negotiate the right price, but you also need to ensure you can afford what you are offering to pay, and arrange the finance in a timely manner.

We have access to the Whole of Market for lenders, ranging from your well known high street providers to more niche banks and building societies.

We can really help First Time Buyers in a number of situations, but the most common issues are low deposits, where higher salary multiples are required or a Guarantor option is needed.

We will take all of the stress out of the buying process for you and actively manage your purchase from start to finish. We have a carefully selected solicitor panel we work closely with to ensure not only that your mortgage is offered in a timely and stress-free manner, but also the solicitor work is dealt with promptly and efficiently.

The Mortgage Republic team will keep you up to date, every step of the way.

Moving home can be one of the most stressful times of your life, but, we believe, arranging your mortgage should not add to that. We will manage your application from start to finish. Ensuring from the very start what you are looking to do is affordable, and we will source your mortgage from the whole of the market.

If you are still tied in on a current deal we will ensure you can actually port your mortgage under the new Mortgage market review and European credit directive rules and regulations around affordability.

Our recommendations will always be for the cheapest option for you as a client and therefore if porting is the best way forward, we will arrange this for you and manage the application all the way through until completion.

This is a 5% deposit deal, where the government will lend you up to 20% of the purchase price towards the property. There are certain criteria you need to meet, but, you can rest assured that we are experts at securing these types of mortgages. We will manage the application not only to the lenders but to the housing associations as well, and ensure you can meet the builder’s exchange deadlines. Where this is not possible, however, we will keep you and the builder up to date and ensure all parties are thoroughly progressed as quickly as is viable.

5% deposit mortgages have become more commonplace in the UK market again. Some are backed by the government mortgage guarantee scheme and some are not. Either way, you are not affected as a borrower. A common misconception is you need to be a first time buyer to get a 95% mortgage. This is not the case and we have helped many people who are home movers. Ask us for examples.