First Time Buyers

Welcome to the housing market

The truth is, buying a house for the first time can be daunting. It is arguably one of the biggest expenditures we make in our lives. That’s why we’re here to make this huge step a little smaller.

What is a First Time Buyers mortgage?

Congratulations! You are looking at buying your first property and, presumably, looking around for the best place to go.

Buying your first property is an exciting time, but we appreciate it can feel like a confusing task to undertake. Sometimes, searching online for advice and mortgage lenders can become a cluster of pages, providers and offers. So it’s always useful to have somebody to help cut through the noise of it all.

So, whether you are still on the starting blocks, or approaching the finish line; we are here to take you through every step of the process to make sure that your mortgage is a breeze.

Speak to us today about how we can get you moving towards becoming a homeowner.

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Mortgages that suit you

At Simplicity, we know that choosing the right mortgage for your circumstances is paramount. That’s why we offer a range of mortgages to help you make the right move with a plan that works for you.

Find out more about our mortgage services.

Moving home

If you’re moving onto the next chapter, we are dedicated to making sure the transition is as smooth as possible. Find out how to get to the next stage with our moving home mortgage plans.

Remortgage

Looking for another mortgage rate? If it’s time to switch your current mortgage, we are on hand to find the best plan for you. Discover how you can remortgage your property today.

Buy-to-let mortgages

If you’re a new landlord or looking to make a start on your property portfolio, our mortgage services dedicated to getting you the most out of your new property. Discover how we can help you with the next steps.

Equity Release

Is it time to reap the benefits from your property? If so, we can offer you easy ways to get some returns on your investment. Speak to us about how you can begin releasing equity today.

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Father playing with daughter
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Why choose Simplicity?

Finances can often be complicated, but it doesn’t have to be.

We appreciate that approaching the task of buying insurance policies can be daunting. There can be a lot of moving parts to contend with, and dates, numbers and fine print can
begin to cloud the bigger picture. That is why we are here to help you keep things simple.

Always fair

Simplicity are not tied to providers, meaning we are able to explore all options that are available when dealing with your policy. This way we can select the best options for you.

Always in touch

When you start your cover, you join the Simplicity family. We pride ourselves on being reachable should you have any questions or queries about any other financial products.

Always thinking ahead

The financial sector changes all the time, and that is why we automatically review your policies every 12 months. This ensures that you are always on the best plan you can be.

Always simple

Like our name implies, we don’t make things complicated. This company is built on keeping our services simple for our clients; keeping our process easy and your options as clear as possible.

Buy with confidence

Whether you are searching for insurance or a mortgage provider, we know that buying with confidence is key. That’s why at Simplicity, we are committed to providing every one of our clients with face-to-face guidance and first-rate services. Ready to start?

FAQ

Will my credit rating affect buying my first house?

As is the case with all big purchases such as this, we will check your mortgage against your credit rating. The result can be dependent on your existing rating. We can also offer advice to help you level out your credit rating.

How much should my deposit be on my first purchase?

Your deposit is usually based on a percentage of the property price. Usually, a 10% deposit is recommended, for example £15,000 deposit on a property that costs £150,000. Of course, the higher the deposit paid usually means lower monthly payments so bare in mind that a bigger lump sum at first can be a long-term benefit.

How much can I afford?

This is always calculated by the price of the property you’re looking to buy, your monthly income and your general monthly expenditures. Come and speak to us about calculating your mortgage.

Why should I choose Simplicity over the bigger companies?

We appreciate that well known companies are always going to be the first thing that springs to mind when looking for these services. However, we are competitive with the top names, and we also offer a hands-on approach to these services; meaning you will always be able to stay in touch with our team.

How Simplicity can help save time and money?

Quite simply, we have extensive experience in this sector. Our clients have found that bigger companies can be difficult to contend with when it comes to finding the best deal. We pride ourselves on being able to find the best rates for our clients and provide a face-to-face service.

How often do I need to review my mortgage?

We will automatically check up on our clients’ mortgages before the end of the contract, so we if there is a better rate we will inform you. Of course, if you wish to review your mortgage at any time, we’ll be happy to.

Get a Quote

To find out what Simplicity can do for you, we would love for you to get in touch. Also, you can get a quick quote here.