A first time buyer is typically a person who hasn’t owned a property before. However, there are some lenders who would consider a person who hasn’t owned a property in the past 3 years a first time buyer

At Rose Mortgages, we understand as a first time buy the process of getting a mortgage can seem daunting and overwhelming.

We’re here to help every step of the way, we’ll help you understand the different mortgage types available and provide advice on which mortgage is most suitable your circumstances.

There are some benefits of being a first time buyer such as incentives offered by lenders offering increased borrowing, assistance with fees, cash back and much more. We will discuss these options with you.

We will discuss the buying process with you, explain the fees involved, from lender fees to solicitors any others fees that may crop up along the way.

We’ll discuss your deposit options, if that be from 5% to maybe no deposit at all, with certain lenders offering deposit free mortgages for first time buyer applicants.

If your deal is coming to an end and you want to know what other deals are available, Rose Mortgages can look across an extensive panel of lenders to find you competitive rates and advise you of the benefits of either staying with your current lender and moving products, or switching to a new lender if they're the cheapest option.

Whether you’ve decided to upsize to a larger home, or downsize to a smaller property, we understand moving home can be stressful. We’re here to guide you through the process. Not only will we be able to advise on your mortgage options, the budget for your next home and the most affordable deals available, we’ll also be ale to breakdown the potential fees and help you budget for the next home you decide to buy.

When moving home there are various options, from porting your existing mortgage to a new property, applying for a further advance to release further funds or remortgaging to a new lender all together. We understand selling and buying a property can be complicated and we are here to guide you through every step of the way.

Whether it be your first rental property purchase, or you’re an experienced landlord, Rose Mortgages can offer the right advice for your circumstances.

You may find you wish to start the venture of becoming a landlord or property developer and don’t know where to start. We can advise you on the deposit requirements, the difference between residential and buy to let mortgages, the fees and the expected costs arising from buying a property for rental purposes.

We’ll also explain the different requirements for first time landlords with lenders, looking at income requirements, whether this is the first property you’ve owned and if the property would have any restrictions that may impact the lender pool, such as Houses of Multiple Occupancy.

Or you may be an experienced landlord with a large portfolio, simply wishing to review your current mortgage deals or be looking for the next property in your business venture. We can advise on all these areas.

Being self employed can make it more difficult when looking for a mortgage. If you are a sole trader, Limited company Director or contractor, most lenders will consider you to be self employed.

Each lender can vary with how they would review your income, with different evidence requirements and as a result this can make purchasing as a self employed individual more complex. But fear not, we at Rose Mortgages have arranged hundreds of thousands of lending for our self employed clients. We know what our lending panel look for with self employed applicants and our experience and knowledge is there to help make the process less stressful for you.