With the ever increasing house price market it is becoming increasingly difficult for first time buyers to take that first important leap onto the property market.

Before you take the leap you should calculate how much you can afford realistically. Some mortgage lenders will offer you up to four times on a single salary or three and half times joint salaries, but it all depends on the lender.

Many mortgage companies will try to entice first time buyers with deals, such as cash back mortgages, but you should always realise that you get nothing for nothing in this world, what you receive will have to be paid back at some stage.

Many lenders will now offer 100% mortgages to try and entice buyers onto the housing market, these can be of benefit, but often the mortgage rate will not be as competitive as deals available if you have a substantial deposit.

Another area you should look at is location of property, property in most towns and cities is often more expensive than property just a few miles outside. Savings of up to 20% can be realised by changing location, and this saving will mean a lower value mortgage.

Whenever you are looking for a property it is a good idea to take along a friend or other family member to get a second opinion, and always take a good look around to get a feel for the place.

Never make an instant decision, there are always properties coming onto the market.

Whatever your mortgage needs it pays to seek professional independent advice from a qualified advisor.

We Believe the Best Advice is Independent Advice

The companies that we introduce to have access to the whole UK market, and numerous exclusive deals, they can help you find the most appropriate mortgage deal to meet your needs. There is a 'right' deal for everyone - this service aims to introduce you to Independent Mortgage Brokers that can help you choose the deal that is right for you!

Or If you would prefer you can contact one of the companies below regarding 100% Mortgages who may be able to help you.