If you’re a first-time buyer, then you may have spent the past few years saving for a deposit to get yourself on the property ladder. If so, the next step is to find out how much you can borrow when you start looking for your first home. This is where we come in.
We will assess your affordability by looking at your salary and any other income you receive, as well as all of your outgoings and provide you with an indication of how much a lender may be willing to lend you.
As a first time buyer knowing what type of mortgage to choose can be confusing. Whether it is a fixed, variable, tracker or discounted rate mortgage we will guide you through, explain all your options and select the right mortgage for your individual circumstances.
We will manage the whole application process for you and make the whole process as seamless and stress free as possible.
We will search the whole of the market to ensure the very best mortgage deal for you.
As well as budgeting for the repayments you’ll need to factor in the deposit. This is usually 10% for most lenders,
We will handle the paperwork from start to finish and will do it all in a way that is straightforward and friendly. Leaving you in no doubt that you have got the most suitable product. And we’ll also guide you through the purchase process as a whole.
Please use our free live mortgage sourcing tool to compare rates and mortgage deals that are available for first time buyers. Our mortgage sourcing uses the data entered to source mortgages from the whole of the market and are live products that are available right now.
Please note each mortgage and mortgage provider have their own specific criteria and all mortgages may not be suitable or available to everyone. Use of our mortgage sourcing tool does not in any way represent advice from Haystoun Financial Services Ltd and we always recommend you speak to one of our professional advisers before deciding which mortgage is best for you.
how we can help you
Check out all the mortgage options available to you and how our experts can help you. If you don't know where to begin with your mortgage search, then here is a great place to start.
Give us a call, tell us a bit about yourself and arrange a face to face meeting. With our help, we can make the whole mortgage process as clear and straightforward as possible.
Whether you're buying your first house, remortgaging, moving house or investing in a buy-to-let property, we'll be able to find the right mortgage for your circumstances.
All Under One Roof
We are directly authorised and regulated by the Financial Conduct Authority (FCA) for General Insurance, Private Medical Insurance, Pure Protection, Equity Release and Mortgage business. You can check our details and regulatory permissions via the Financial Services Register at https://register.fca.org.uk/.Our FCA reference number is 845592. Haystoun Financial Services Ltd of 19D Eastgate, Peebles, EH45 8AD trades as a Limited Company. Our Company Number is: SC588219
Haystoun Financial & Property Services is a family run business based in Peebles in the Scottish Borders. We offer mortgage, insurance and protection advice services, as well as full letting agency services.
We take your privacy very seriously and collect only two types of information which we use to provide and improve our services to you.