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Mortgage advice and application service for First Time Buyers |
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Why use Smaart Associates to arrange your mortgage?
Buying your first home should be exciting and the process doesn’t need to be daunting. We offer mortgage advice from the time you start thinking about buying your first home until the day you move in. Your dedicated adviser will reduce the time and hassle in applying for a mortgage by dealing with the mortgage lender throughout the mortgage application process. If you are thinking about buying a property why not call us to discuss your options and let us research the market for you
Remember, our service is impartial, we work for you not the lender. For further information visit or about us page or why not take a look at what some of customers have to say about our service.
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Call us on 0800 756 9556 |
Work Out How Much You Can Afford:
To get an idea about how much you can borrow try our online mortgage calculator. The calculator will indicate how much you may be able to borrow but other factors including existing loans and other credit commitments will influence the final amount. For a more accurate guide call your Smaart Associates Advisor. To help establish a budget for your new mortgage you may wish to use our our online budget planner.
Get a "Mortgage Agreement in Principle"
Having a mortgage agreed in principle means that you have your finances ready before you find a property you wish to buy. If your financial situation is particularly good, this may not be necessary and your Advisor will discuss this with you.
Choose Your Home
This can be the hardest stage, finding your ideal home. Most properties are suitable security for a mortgage but if you intend to buy something a bit unusual speak to your Advisor before making an offer to buy.
Appoint a Solicitor
You will need a Solicitor who will act for both you and your lender. Following a recommendation from a friend or relative can often be a good idea but if you need our help finding a Solicitor we will be pleased to assist.
Make an Offer
When you have found a property you wish to buy you must decide how much you are prepared to pay. This amount should be offered to the current Owner (Vendor) usually via the Estate Agent. Your first offer may not be accepted but you will usually have the option to increase your initial offer if its refused. Your Advisor will be pleased to guide you with this process.
Apply for your mortgage
Once your Offer to buy the property is accepted, you need to formally apply for your mortgage. At this stage we will research the mortgage market on your behalf to find you the right mortgage.
Have a Survey and Valuation carried out
The lender will require the property to be valued, this is also your opportunity to obtain a detailed Survey of the property you are buying.
Exchange Contracts
In England and Wales (not Scotland), the point when both buyer and seller are legally bound.
Completion
The final legal transfer of ownership of the property - when the property becomes yours.
The start of the mortgage (also known as 'drawdown').
Move In!
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For impartial advice |
The above guide is written to reflect the buying process in England and Wales. Clients looking to purchase in Scotland should contact us directly on 0800 756 9556 for an alternative guide.
Read our "key facts about our mortgage service" document
Talk to us
Call our friendly team and we will help you find your ideal mortgage.
Important Information
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Smaart Associates is authorised and regulated by the Financial Services Authority and is entered on the FSA Register (www.fsa.gov.uk/register) under reference 300530. The FSA does not regulate credit cards, personal loans or some investment mortgage contracts. Some Buy To Let mortgages are regulated by the Consumer Credit Act (CCA).
By following some of the links from this site you may be directed to services provided by a third party. Where this occurs we are not responsible for the information provided and accept no responsibility for its accuracy.
Smaart Associates Limited is registered in England No: 4325522. Loans are subject to status, type and value of property. Insurance may be required. Minimum age 18.
The guidance contained within this website is subject to the UK Regulatory regime and is therefore primarily restricted to consumers based in the UK.
Head office:
Smaart Associates Limited
Sandy Farm Business Centre,
The Sands,
Farnham, Surrey,
GU10 1PX
Registered office: 6a Dickensons Place, London, SE25 5HL
Meetings by appointment only
Telephone calls may be recorded for training and monitoring purposes
As a mortgage broker we receive a fee from lenders with whom we place mortgage business. We arrange mortgages from £40,000 upwards with no broker fee as we keep the commission paid to us by the mortgage lender.