Is time running out to get a competitive fixed rate mortgage?

Wednesday, 14th March, 2018
guildford mortgage adviser

Have you recently switched – or considered switching – your mortgage?

If you haven’t then you’re not alone. However, it may be worth considering your options as the debate around whether or not a new interest rate rise is imminent (many are saying it is) gains ground.

Whilst we don’t know when, exactly, or by how much, the Bank of England will increase interest rates, we do know that another two are planned before 2020.

If the first, relatively modest, rise of 0.25% wasn’t enough to get you thinking about fixed rate mortgages then the second one might.

As a Guildford Mortgage adviser, we’ve seen an influx of people from across Guildford and the southeast enquire about getting a fixed rate mortgage. Lenders have increased their mortgage rates since the last interest rate rise, however it’s not too late to get the ball rolling and apply for a fixed rate mortgage.

With access to some of the most competitive mortgage deals in the UK, Complete Mortgages is still seeing a number of options which, if you were to act now, would mean that you would still benefit from an excellent mortgage rate – and would be well placed to beat the rise (if and when it happens).

We’re seeing demand for three year fixed mortgages, five year fixed mortgages and even 10 year fixed mortgages increase significantly, which indicates that people are now beginning to think seriously about locking themselves into consistent monthly mortgage payments – something that we haven’t seen on this scale for a decade.

Of course, it’s all down to affordability.

Analysis by estate agent Savills suggested that a 1% rise in interest rates would add approximately £10bn to mortgage repayments in the UK – or an average of £930 a year (£77.50 per month) to the cost of servicing an average mortgage.

Depending on your financial circumstances, you may prefer to have the flexibility that comes with other products such as tracker mortgages. Either way, if the much-deliberated rise has made its way to the front of your mind then it’s certainly worth picking up the phone and calling a member of the Complete Mortgages team, who will be able to advise you on the right fixed mortgage for you.

In answer to the original question regarding whether or not time is running out to get a competitive fixed rate mortgage, I would say that there is still time – however I would also recommend that you don’t waste time.

Complete Mortgages also specialises in other mortgages over and above fixed or tracker mortgages. We can also arrange mortgages for self-employed people, mortgages for teachers, adverse credit mortgages, buy to let mortgages and limited company buy to let mortgages. Contact us on 01483 238280 or email info@complete-mortgages.co.uk for more information.

By Mark Finnegan, Director at Complete Mortgages


Self-employed friendly mortgages

Monday, 5th March, 2018

Sometimes, it’s as though those who take the most risks are penalised the most.

At least that seems to be the sentiment of 71% of self employed people who feel that they are discriminated against when it comes to getting a mortgage, according to new research from The Mortgage Lender.

Yes, mortgages for self-employed people seem to be that little bit harder to come by, which is a huge shame – particularly when it’s this demographic who play key roles in growing the UK economy and given how, according to new research by Data Line for Business, there are now record numbers of self-employed people in the UK.

Data Line for Business’s research highlighted how:

  • One in seven people now work for themselves
  • The number of self-employed people have grown by a million since a decade ago
  • Self employed women have grown 24% to 300,000 since Q2 2013

Whilst this is great news when it comes to the UK’s entrepreneurial spirit, it’s very much at odds with the barriers – and the perceived barriers – to self-employed mortgages.

What’s the problem with getting a mortgage if you’re self-employed? 

We often get self-employed people asking, ‘Why is it hard to get a mortgage, even when my monthly mortgage repayments would be significantly less than my current rental outgoings?’.

The truth is that lenders find it hard to assess self-employed people as they might pay themselves different amounts at different times. Some may choose not to pay themselves much at all in order to keep cash in the business.

Prior to the financial crash, self-certification mortgages enabled business owners to get a mortgage relatively easy. After the crash, lenders became less inclined to lend on the basis of what the applicant claimed they earned.

However, there are a number of accessible self-employed mortgages on the market right now. Also, as a Guildford mortgage broker that specialises in contractor mortgages and mortgages for the self-employed, we are well placed to help all business owners – from sole traders to owners of limited companies – get a mortgage.

Our advice would be to get in touch on 01483 238280 or email us on info@complete-mortgages.co.uk. Also, in advance of speaking – or meeting – with a member of the Complete Mortgages team, we would recommend that you gather the following documentation in readiness: –

1. Two years’ accounts (if you have a Limited Company or Partnership)

2. SA302 forms and Tax Year Overviews for the two past two years. Here’s a link for more information on how to obtain them

3. Proof of a deposit (or equity in your property, if remortgaging) of at least 5%

Getting a mortgage if you’re self-employed isn’t unachievable. It just requires a little more work. However, as a mortgage adviser in Guildford, we’ll handle the legwork on your behalf.

Remember, Complete Mortgages doesn’t just specialise in mortgages for self-employed people. We also specialise in mortgages for teachers, adverse credit mortgages, buy to let mortgages and limited company buy to let mortgages.

By Mark Finnegan, Director at Complete Mortgages


How to remortgage

Tuesday, 13th February, 2018

2018 is the year of the remortgage.

If you didn’t read my last piece and are wondering why 2018 is any different to 2017 – or any other year for that matter – then read on.

Going up? 

Nobody knows when or even if interest rates will go up in 2018, however there is much talk and speculation that the Bank of England could raise the Base Rate of interest by up to 0.50% at some point this year.

To put this into context, it would mean that someone on a variable rate mortgage borrowing £200,000 would face up to a £600-a-year increase.

Getting the most from your mortgage 

First of all, and despite what you may think, arranging a new mortgage is really straightforward – particularly if your mortgage broker is handling it on your behalf.

As a Guildford mortgage broker we see it all the time; people resisting remortgaging due to the perceived ‘hassle’, only to be pleasantly surprised when it’s all done and dusted without much effort on their part.

Here are Complete Mortgages’ top tips on remortgaging to get you started:

1. Dig out your paperwork 

Having an understanding of how much is outstanding on your mortgage, the mortgage term and any fees attributable with changing your mortgage will make it easier to navigate any questions that you will inevitably have to answer.

2. Know what you spend 

The process of getting a mortgage has changed over recent years, in as much as lenders now want to see clear evidence of your outgoings and, more importantly, your ability to comfortably make the mortgage repayments. Having some idea of what you spend on a monthly basis in advance will save time to-ing and fro-ing.

3. Do your homework

It may sound obvious, but take some time to find out what mortgage products are out there. New mortgage products are entering the market all the time, so make sure you pick the right mortgage for you and your lifestyle. More importantly, make sure that you’re set to benefit from a mortgage switch and that any financial gain from a new mortgage isn’t wiped out with exit fees from your existing mortgage.

Is there an easier way of doing this?

Of course there is. Using a trusted mortgage broker, such as Complete Mortgages, will save you a lot of legwork, time and possibly a bit of heartache, too.

If you let us handle your remortgage we’ll not only manage the entire mortgage application process on your behalf, but we’ll also spend the time finding the right mortgage for you, from the hundreds available (including the many broker exclusives that we have access to). What’s more, depending on the product chosen, there may not even be a fee for you to pay at all.

See, remortgaging really isn’t as difficult as you might think.

Contact the team on 01483 238280 or email info@complete-mortgages.co.uk to find out more. Even if you’re not looking to remortgage, don’t forget we’re also specialists in buy to let mortgages, limited company buy to let mortgages, adverse credit mortgages and commercial mortgages, too.

By Mark Finnegan, Director at Complete Mortgages


New Year, New Mortgage (but don’t leave it too late)

Monday, 29th January, 2018

Now that the New Year is fully underway, we’re urging our clients to start taking steps towards getting a new mortgage.

Whilst there are still a few lenders that are yet to increase their rates in line with the recent interest rate rise, the majority have already done so. Now, if you’re on a fixed rate mortgage then this won’t affect you.

However, if you’re currently on the standard variable rate (SVR) – or are about to enter the realms of the SVR – then this may be of interest.

1. Some lenders still haven’t raised their rates

For those who haven’t been thinking about their mortgage and what the interest rate rise means for them over the last few weeks, there’s still time to switch to a pre-interest rate rise mortgage deal – but you’d better be quick.

2. Beat the New Year rush

Whilst 2018 is in full swing, it can often take a few weeks before people start to really think about their next mortgage move. In fact, sometimes it’s February before the mortgage market really gets going. Put simply, if you act fast we can get you ‘mortgage-ready’ before everybody starts to want to do the same thing.

3. To rise or not to rise

There is already speculation that the next interest rate rise could come as early as May 2018, which means that if you haven’t already noticed the difference to your monthly mortgage repayments, then you may well do if the next interest rate rise comes as early as spring.

As a Guildford mortgage broker that has been in business since 2005, we’re still amazed to see the reaction on our clients’ faces when we explain how easy it is for them to remortgage. It’s even easier if you let a reputable mortgage adviser manage the process on your behalf.

So, if any of the three points raised here are relevant to you and you feel that you’re ready to remortgage – or at least you’re thinking about remortgaging in 2018 – then call us so that we can get your mortgage application underway.

Even if you aren’t looking to remortgage and simply need to arrange a mortgage, either for the first time or on a new property, then call us on 01483 238280 or email info@complete-mortgages.co.uk.

Remember, we also specialise in buy to let mortgages, commercial mortgages, limited company buy to let mortgages, equity release mortgages and adverse credit mortgages.

By Mark Finnegan, Director at Complete Mortgages


Three reasons to use a buy to let mortgage broker

Monday, 6th November, 2017
buy-to-let mortgages

The buy-to-let mortgage market is booming – but not necessarily in the way you might think.

In fact, it’s taken quite a pounding over recent years. The first attack came when George Osborne, in his role as Chancellor, announced the phasing out of tax relief for landlords. The second, also a ‘blow’ by Osborne, came in the form of stamp duty surcharge on additional properties.

The result? The jury’s still out, however the repercussions seem to be a combination of landlords with high LTV mortgages releasing some of their properties back on to the market and existing landlords raising their rent.

Yet recently released figures suggest that buy to let mortgages are far from over.

According to Moneyfacts*, there has been a seven per cent rise in the number of buy to let mortgage products to enter the market, taking the total to 1,735 – the highest number of mortgages for landlords since the heady, pre-crash days of 2007.

It also makes choosing the right buy-to-let mortgage increasingly difficult.

So, as increasing taxes don’t seem to be putting off would-be landlords from entering the market – and following our recent ‘five reasons to use a mortgage broker’ article – we thought we’d outline three key reasons to consider using a buy to let mortgage broker.

1. Time is money

As a mortgage broker in Surrey, a county with a large share of buy to let landlords, we are in a continuous cycle of appraising new buy to let mortgage products in the context of our clients’ needs. Of course this is hugely time consuming – however it’s our job. You, on the other hand, may not have the time required to separate the wheat from the chaff and sift through this growing glut of deals.

By getting a buy to let mortgage broker to do the legwork and find a deal based on your personal requirements – all of which would have been established during an initial consultation – you are able to save yourself huge amounts of time by only having to deal with a shortlist containing the best-of-the-best deals.

2. Mortgage brokers are mortgage experts

If you’re looking to sell your property, you’ll no doubt commission an estate agent to sell it. If you have a problem with your roof you’ll consult a roof specialist. Similarly, if your car’s not working, you will probably visit a mechanic. We can’t all be experts in everything – there simply isn’t enough time. We don’t claim to be property experts, nor can any member of my team (myself included) fix a car, but we are experts in arranging a mortgage for our clients. If you want to save time and benefit from expert advice, then use a mortgage broker with a good reputation.

3. Not just any mortgage

Those of you that already have experience of getting a mortgage – either independently or though a mortgage adviser – will know that there is a lot of ‘crossing the Is and dotting the Ts’. With buy to let mortgages, there is even more.

Not only that, but a good mortgage broker can help advise you with regards to making sure the numbers stack up (i.e. the mortgage you secure works in tandem with the rent you plan to charge). The difference between 1% on your mortgage rate here, or a potential/hidden charge there, can make a serious impact on your profit. An experienced buy to let mortgage broker will be able to review this in relation to your own requirements very quickly and make sure that you get the right deal for your circumstances.

Cut through the buy-to-let mortgage ‘noise’ and contact Complete Mortgages on 01483 238280 or email info@complete-mortgages.co.uk. Remember, we also offer specialist mortgages including commercial mortgages, self-employed mortgages and adverse credit mortgages.

By Mark Finnegan, Director at Complete Mortgages

*https://www.ftadviser.com/mortgages/2017/09/12/number-of-buy-to-let-deals-at-10-year-high/


Five reasons to use a mortgage broker

Tuesday, 22nd August, 2017
mortgage broker

Regular readers will know that we tackle pretty much every topic related to applying for a mortgage; from the actual mortgage products themselves (buy to let mortgages, commercial mortgages, residential mortgages etc.) to the legislation and changes in rules that either hinders or facilitates access to them.

However, on this occasion, I’ve decided to place the spotlight not just on the team of mortgage brokers at Complete Mortgages, but mortgage brokers as a whole.

Not because mortgage brokers have come under fire, or that that there is any particular reason to defend the work of a mortgage broker. It’s just that there are now a number of elements such as regulation, new rules, and restrictions that affects those wishing to apply for a mortgage.

This, on one hand, makes the work of a broker more complex and challenging, however on the other it’s allowing brokers throughout the UK to showcase how they can add value to their clients.

As a result, I would simply like to take this opportunity to remind homeowners and investors why using a mortgage broker can help expedite the mortgage application process and save a lot of heartache in the process.

From the recent changes affecting mortgage affordability to the latest set of rules from the Prudential Regulation Authority, which come into play in September and require landlords to provide details of their assets and liabilities, declare future investment property intentions and reveal the property schedule already requested for buy to let mortgage applications, there are now more obstacles to navigate than ever before.

And, as the number of obstacles grow, so too does the number of reasons to outsource your mortgage application requirements to a mortgage professional. Here are five.

1. Knowledge is power

This sub-heading is probably slightly over-egging the pudding, however it’s true that the more you know the more you can control. A good mortgage broker thoroughly knows the industry and, as a result, knows how to present your case in a way that reduces administration time and gets the desired result quicker. This knowledge, which non-mortgage brokers typically wouldn’t know, also enables brokers to sidestep the pitfalls and capitalise on any potential opportunities, thus ensuring you receive the best possible mortgage advice for your particular circumstances.

2. Qualifications count

It goes without saying, but those with formal training and qualifications in anything – from medicine and teaching to hairdressing and car maintenance – are more likely to approach what they do in a more efficient, balanced and professional manner.

3. Duty of care

Professional mortgage brokers are not only morally obliged to act in your best interests, but also the Financial Conduct Authority also heavily regulates them. If your mortgage broker is not acting in your best interest, then you’re covered. Complete Mortgages positively embrace the FCA’s Treating Customers Fairly initiative meaning that you will be treated fairly with the utmost duty of care at all times.

4. Bigger picture

Mortgage brokers assess and evaluate every aspect of your financial situation. Not only does this ensure that you end up with the right mortgage for you, but it also means that they can develop a holistic package covering other aspects of your financial planning such as life insurance, critical illness cover and income protection in one go.

5. No time to lose

If, like most people, you’re incredibly busy, then juggling mortgage applications with your job and family commitments is probably something you could do without. By using a mortgage broker you can offload the burden of finding the right mortgage – and the associated admin – freeing you up to either a) focus on doing what you do best or b) spend time on anything but applying for a mortgage!

As the mortgage lending landscape continues to change and lenders become more careful about whom they lend to, why spend time doing something that mortgage brokers can handle for you

Whether you’re looking to secure a mortgage or simply want to remortgage, then contact the team at Complete Mortgages on 01483 238280 or email info@complete-mortgages.co.uk to find out how we can help you.

By Mark Finnegan, Director at Complete Mortgages


Revisit, remortgage and save money

Thursday, 29th June, 2017

It’s funny. Everyone is always looking for a deal (myself included) and yet sometimes, even when the deal is right in front of him or her, they just can’t see it.

What’s even more ironic is that people can expend huge amounts of energy collecting loyalty points here and ‘50p off your next box of tea bags’ vouchers there, all the while missing out on the most important deal – and one that could save them hundreds of pounds each month.

The deal I’m referring to in this case is the often-overlooked remortgage.

As a Guildford mortgage broker I can honestly say that I don’t think I’ve seen as many instances where there is such a gulf between the mortgage our clients signed up for (call it point A) and the mortgage that they could have now, even with the same lender (call it point B).

Naturally, it is the Complete Mortgages team’s job to make our clients aware of how they could save money on a mortgage – or, to put it another way, how much they are overpaying on a mortgage. And that’s what we’re in the process of doing right now, much to our clients’ delight.

However, for many people – namely those who either don’t use a mortgage broker or don’t have a proactive mortgage broker, they might never know.

Whilst there’s lots to be said for the proverb ‘ignorance is bliss’, or ‘what you don’t know can’t hurt you’, I’m pretty sure that people would rather have the opportunity to change mortgage – or at least be alerted to the prospect of changing their mortgage – and that’s the purpose of this article.

If you’re one of those people who applied for a mortgage two or three years ago, when deals were great and seemed as though they couldn’t get any better, then this is for you.

Essentially, mortgage deals have got better and you could quite easily be saving hundreds of pounds each month as a result.

In some cases you could simply switch your mortgage to a different deal on offer through the same lender. Not only can we handle ALL the paperwork and application process on your behalf, but also our service is completely FREE for you.

Our usual fee is £399 however in the case of a simple mortgage switch with your existing lender, we wouldn’t charge you a penny.

Even in cases where a fee may be chargeable, the process of remortgaging could still work out financially beneficial for you in the long run.

Our advice is to contact a trusted mortgage broker to explore your options and discover how easy it is to save money on your mortgage. You may or may not want to use Complete Mortgages – or even a mortgage broker in general – but at least you can’t say that we never told you.

Are you looking to remortgage? Interested in finding out of you could save money on your mortgage by making a simple change to your current mortgage? If so, contact us on 01483 238280 or email info@complete-mortgages.co.uk. Remember, we’re also specialists in buy to let mortgages, adverse credit mortgages, limited company buy to let mortgages and first time buyer mortgages.

By Mark Finnegan, Director at Complete Mortgages


Robo-mortgage advisers… whatever next?

Thursday, 8th June, 2017

Now, before reading any further I should point out that, like most people, I too use a series of apps to help make my life that little bit easier. From monitoring how active I am to listening to music, apps are now an essential part of my everyday life.

However, on reading a piece in the Telegraph recently with the headline ‘New app promises to sort your mortgage by iPhone as home buying goes digital’*, I have to say that I experienced the first pang of ‘app cynicism’ I’ve felt since I began using them.

Not because, as a mortgage broker, I felt in any way threatened by the advent of digitised mortgage applications, but because my first thought was that some things should genuinely be left alone. Applying for a mortgage, in the context of apps, is one of those things.

Admittedly, claims of being able to complete a mortgage in 15 minutes or begin the mortgage – or remortgaging – process through a mobile app sounds fantastic. However, having been a Guildford mortgage broker for almost two decades, I know that the reality of carrying out a successful mortgage application relies less on software and more on relationships and a personal touch.

Buying a house is, for the majority of people, the biggest financial decision that they will ever make. Now, relying on software to order your coffee so that it’s served to coincide with your arrival, count how many steps you’ve taken in any given day, or alert you when it’s time to drink more water is one thing. But do you really want to place one of life’s larger purchases in the hands of a faceless app?

Not only that but who do you contact when things go wrong or don’t go quite according to plan?

The mortgage application process can be complicated, resource intensive and is often affected by a number of variables and external organisations. Whilst it’s okay to seek a simplified one-button solution to some of the more mundane aspects of modern life, a one-button solution to mortgage applications is, in my view, a false economy.

In fact, let’s compare it now. Complete Mortgages typically spends 15 – 20 minutes to carry out a factfind, which is similar to what some ‘robo-advisers’ claim to take, and from that point onwards everything is handled personally by a dedicated account handler who is able to fast-track the process, carry out those sometimes-sensitive chase up calls with the lender or provide feedback to the estate agent from which the mortgage applicant originated.

We’re proud, for instance, of our high customer service ratings as showcased on our website – all of which are the direct result of real actions of real people, who not only help people secure mortgages day in, day out, but who also do so after having built a strong rapport with the customer.

Yes, there are many services and experiences that have improved through automation, however these are typically services and experiences that are black and white, that have a simple beginning and end point, and that aren’t always reliant on multiple processes in order to reach a successful conclusion. Getting a mortgage isn’t one of them.

That said, I wish those who have launched – or are in the process of launching – automated mortgage apps the very best and I will watch with interest.

In the meantime, I must go. I’m being told that I have a meeting and that I need to purchase a gift online in the next five minutes to make tomorrow’s post – all by my apps, of course.

If you need to apply for a mortgage and would like to speak to a real person, then contact Complete Mortgages on 01483 238280 or email info@complete-mortgages.co.uk. We specialise in first time buyer mortgages, commercial mortgages, buy to let mortgages, adverse credit mortgages – and providing first-class customer service. 

By Mark Finnegan, Director at Complete Mortgages

*http://www.telegraph.co.uk/business/2017/04/18/new-app-promises-sort-mortgage-iphone-home-buying-goes-digital


Guildford mortgage lending is on the up… but so are its property prices

Thursday, 1st June, 2017
Guildford mortgage

Let’s start with the universally good news – mortgage lending to homebuyers increased by 27% in March.

The figures, as released by the Council of Mortgage Lenders (CML), suggests that even first time buyer mortgages were on the up across the UK, with 31,500 loans granted in March 2017 compared with 28,100 in March 2016.

As a Guildford mortgage broker, Complete Mortgages’ March was particularly busy; so busy in fact that it bucked the national trend by being a staggering 82% up on March 2016.

As a local mortgage broker this is, of course, good news. However, it’s also good news because it highlights that the Guildford mortgage market continues to move apace and suggests that we can expect this trend to continue as we head into summer (a period when home moving and home buying activity typically tends to slow down).

On the flipside, there is the issue of Guildford’s rapidly increasing property prices. And whilst this isn’t bad news for those who already own a home, it is unlikely to be met with positivity by those itching to get their feet on the property ladder.

Research by online estate agents House Simple has shown that outside of London, the UK’s least affordable areas include Bath, Brighton, Crawley, Tunbridge Wells and, of course, Guildford. In fact, less than 7% of Guildford properties are priced lower than the national average.

So, what does this tell us? Well, it confirms what we already know; Guildford is an expensive and desirable place to live. It’s also likely to be met with concern by first time buyers whose chances of buying a property in Guildford are arguably much slimmer than this month’s national averages from the CML would suggest.

However, what Guildford first time buyers must remember is that there are hugely competitive first time buyer mortgage deals entering the market all the time. And with 85% loan to value mortgages on 4.5 x earnings now available, the Guildford first time buyer is now able to enter the market without having to rely solely on putting down an astronomical deposit.

Are you a first time buyer? If so, then our advice is to contact the Complete Mortgages team, which specialises in first time buyer mortgages, to discuss how we can help move you towards homeownership.

Just remember that as Guildford property prices increase, the relative value of your deposit decreases, so taking action sooner rather than later is advised before homeownership really does become out of reach.

Contact Complete Mortgages on 01483 238280 or email info@complete-mortgages.co.uk to discuss our services, from first time buyer mortgages and commercial mortgages to buy to let mortgages and limited company buy to let mortgages.

By Mark Finnegan, Director at Complete Mortgages


Calling all Bournemouth first time buyers

Thursday, 25th May, 2017

It’s great to see how the UK mortgage market is still proving to be buoyant, with research by the Council of Mortgage Lenders showing that there was a 27% increase in the number of mortgages granted in March.

However the Bournemouth property market, particularly for first time buyers, has become a bit of a game of cat and mouse.

No sooner have would-be homeowners saved a deposit (the chase) does the property (the mouse) escape – usually in the form of escalating property prices which, similar to the effects of inflation, chips away at the relative value of the savings pot.

Let’s not forget that back in January the Bournemouth Echo reported how Bournemouth had joined the ranks of Hong Kong, Sydney and San Francisco as one of the least affordable places to live.

Great news if you already own a home. Not so great if you’re one of the many still holding out hope of home ownership. After all, if you’re a Bournemouth resident shouldn’t buying a property in Bournemouth be a right and not a privilege?

The story*, which was based on an annual survey by Demographica, revealed that the price of a home in Bournemouth is 8.9 times higher than the median annual household income of the area.

Given the scale of this imbalance it’s highly likely that the CML’s recent figures, which illustrated how UK first time buyer mortgages granted in March 2017 stood at 31,500 compared with 28,100 in March 2016, doesn’t reflect Bournemouth’s first time buyer demographic.

The question now, therefore, is what do we do about this gulf between property prices and what most people – first time buyers in particular – can afford?

The good news for those looking for a first time buyer mortgage in Bournemouth is that as property prices increase, so too does the competitive nature of the mortgage market.

There are currently 85% loan to value mortgages on 4.5 x earnings now available, which will provide the Bournemouth first time buyer with a better chance of accessing the property market without having to place all their hope in saving a sizeable deposit.

If you’re a first time buyer in Bournemouth, simply get in touch to discuss how we can help you get on the property ladder. It may not be Sydney or San Francisco, but if your home is Bournemouth then you should be able to buy a property in Bournemouth.

Contact Complete Mortgages on 01202 049661 or email jo@complete-mortgages.co.uk to discuss our services, from first time buyer mortgages and commercial mortgages to buy to let mortgages and limited company buy to let mortgages.

*Daily Echo

By Jo Frankowski, Complete Mortgages