Freshfield Mortgages, 4 Victoria Buildings, Victoria Road, Formby, Liverpool L37 7DB
  For all your mortgage needs call 01704 833 200 or email enquiries@freshfieldmortgages.co.uk
 




Buying a house is one of the most important purchases you will make. At Freshfield Mortgages we know that buying a home for the first time can be an intimidating process with many questions needing answered...

How much can I borrow? What will the repayments be? What fees do I need to pay? What if I don't have a deposit?
Our advisors will talk you through the financial aspects of the buying process and provide you with advice from a wide range of lenders to find you the best mortgage
suited to your circumstances.


Deposit
Currently mortgage lenders will lend up to 95% of the value or purchase price, whichever is the lower. This means that you will be required to put 5% deposit down and the more deposit you can produce the better deal lenders will offer.

Don't worry if you can't produce this size of deposit, Freshfield Mortgages can look at alternative ways of getting you on the property ladder which include:

Shared Equity
Shared Ownership
Help To Buy Options

How much can I borrow?
The majority of mortgage lenders will calculate how much they will lend based on affordability where they analyse your monthly income and expenditure. Freshfield Mortgages can obtain an accurate borrowing figure based on your circumstances.

Solicitor
Buying your first property is probably the first time many clients have ever needed a solicitor. Our advisors can provide you with a solicitor who offers very competitive legal fees when you arrange your mortgage with Freshfield Mortgages.


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Your home may be repossessed if you do not keep up repayments on your mortgage..

A fee of £495 is payable upon the successful completion of your mortgage.

Freshfield Mortgages is an Appointed Representative of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

The information on this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

No representations are made to whether the information is applicable or available in any other country which may have access to it. The Financial Conduct Authority does not currently regulate buy to let and commercial lending.