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First Time Buyer?


Buying your first property is a big commitment and can appear daunting. With a maze of mortgages, terminology, and paperwork it can be difficult to know where to begin. 


To make this journey a little less overwhelming and help you understand what you need to know I will support you through the process step by step and explain to you all the options so you can be confident of making the right choices.


Buying your home is likely to be the biggest purchase you will ever make. Before you start looking at properties you will need to ascertain how much you can afford to borrow and also consider all of the associated financial costs like money for a deposit, valuation fees, legal fees, and stamp duty. It is always a good idea to have an ‘Agreement in Principle’ from a lender as although it’s not guaranteed it shows Estate Agents that you are serious about buying a property and getting a mortgage.


Re-Mortgaging Or Home Mover?


It may have been a while since you last bought your property and over the last few years, the mortgage market has become more complex with mortgages sometimes harder to secure than ever before.


Whether you are moving up the property ladder or downsizing it’s vital to get it right. I will discuss with you your specific needs and circumstances to ensure that we place your mortgage with the right lender on the right terms to match your requirements. Moving home can be an expensive time with other costs and fees to pay such as legal fees, survey fees, estate agents fees, and stamp duty.


These days every different mortgage application has to be packaged in a unique way that is specific to your circumstances, and it takes experience and expertise to do this properly. I will talk you through the whole process, discuss options and be on hand every step of the way.


Do you need extra money to do those home improvements you have been putting off for too long?


Do you need to reduce your monthly outgoings?


If the answer to any of the above is yes then a review of your mortgage is long overdue. There has been a lot of talk of house prices and interest rates over the last few years and with the first generally rising and the second having fallen this is currently the ideal time to review your mortgage arrangements. The lenders want the business and are offering competitive deals with potentially low or no fees to attract remortgage business from each other.


I will talk you through the options available to ensure a remortgage is in your best interests and what deals suit your personal circumstances. I will then take all the hassle out of the process for you by dealing with the lender on your behalf.  


Your home may be repossessed if you do not keep up the repayments on your mortgage or any other debt secured on it.

Check that the mortgage recommended will meet your needs if you want to move or sell your home or want your family to inherit it.

If you are in any doubt, seek independent advice. We charge a fee which can depend on your circumstances but typically we charge £395.

The guidance and/or advice contained in this website is subject to UK regulatory regime and therefore restricted to consumers based in the UK.

 Crystal Clear Financial Planning is a trading style of Martin Jones Financial Planning Consultants.

Martin Jones Financial Planning Consultants is an appointed representative of Andrews Estate Agents Limited who are authorised and regulated by the Financial Conduct Authority FRN 730707.





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