Thinking of taking that step onto the property ladder? We’re here to help you through the process.
With so many decisions to make, buying your first home can be a daunting experience. But it doesn’t need to be. Forever Home Mortgages will provide a helping hand to guide you through the journey.
As a general rule, mortgage lenders will look to lend between four and four-and-a-half times your total income. This is known as the loan-to-income ratio. However, every lender will have their own criteria and complete an affordability assessment, which will consider outgoings such as monthly personal loan commitments, childcare and car finance. All these factors will determine how much you can borrow.
At Forever Home Mortgages, your free initial consultation will include asking questions about your income and your outgoings and we can then compare your affordability across multiple lenders to give you an indication of the maximum amount of mortgage a lender may be prepared to loan, before securing you a decision in principle.
Ready to get started? Here’s our four-step journey to your forever home.
your home and income are kept secure, even if the worst was to happen.
get an agreement in principle in as little as 20 minutes.
book a free consultation at a time to suit you.
we don’t just help secure you the right products, but support you all the way through until completion.
Your home may be repossessed if you do not keep up repayments on your mortgage
Now you’ve got your decision in principle, it will be time to consider which type of mortgage is right for you.
With so many options such as fixed-rate mortgages, interest-only mortgages and tracker rates, it can be tricky to decide on the correct course of action for you. Forever Home Mortgages will provide you with all the pros and cons of the different types of mortgage available to you, giving you the information and advice, so that you can make the right choices.
Our start to finish service means you are never alone, whatever stage of the process you are at. If you need advice in how to find a property, what questions to ask on a viewing or what offer to make, Forever Home Mortgages will be there to help you.
Liaising with estate agents and doing the necessary research online to ensure you are not paying a penny more than you need to for your first home is all part of the service. And once your offer has been accepted, our service continues, not only completing all the necessary paperwork for your mortgage, but we can also be on hand to assist with solicitors and surveys.
We aim to give you the knowledge and guidance to help you purchase and secure your forever home
We aim to give you the knowledge and guidance to help you purchase and secure your forever home
Forever Home Mortgages, a trading style of Forever Finance Group Ltd (1034494) is an appointed representative of HL Partnership Limited (303397) which is authorised and regulated by the Financial Conduct Authority.
Forever Finance Group Ltd is registered in England and Wales with company number 16331466. Registered office: 35 Bradford Street, Market Harborough, England, LE16 9FJ
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £245 to £695 and this will be discussed and agreed with you at the earliest opportunity.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
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