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Buying or selling a home normally takes 2 to 3 months. At ZK Mortgages we aim to process all our clients application as quickly as possible in an efficient way and keep the highest possible standards at all times this means saving you a considerable amount of time.
Buying a home is a huge financial commitment and can be daunting – especially if you’re a first time buyer. At ZK Mortgages we are here to guide you step by step in the process of buying your new home, including the key stages and what fees to expect because this is an integral part of our advice process.
Before you start searching for a property, it’s a good idea to work out your affordability and work out what monthly mortgage payments you can afford.
Consider how you will cope if your financial situation changes, or interest rates rise, and be careful not to overload yourself.
Remember your savings will have to cover not just the deposit, but expenses such as mortgage fees and Stamp Duty on properties costing more than £125,000.
Before you apply for a mortgage, check your credit report for any errors and to get an idea of your score. Lenders will look at it when considering your application.
Looking for Advice?
To talk about mortgages from multiple lenders across the mortgage market, including those not available on the high street, just give us a call to start the conversation or to organise to come and see us.