First Time Buyer Mortgages
I can help you buy your first home!
Welcome to Mason Mortgages
Mortgage advisor in Barnsley providing you with clear, down to earth, jargon free mortgage advice you can trust!
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About Mason Mortgages
Ey up! I’m Harry – a Mortgage and Protection Advisor based in Barnsley, South Yorkshire.
I started in the property industry in 2015 and soon realised why buying and selling houses is one of the most stressful things you can do!
As a mortgage and protection specialist I want to take that stress away from you and provide you with a clear understanding of the whole house buying process and associated costs from start to finish while also providing you with the most suitable mortgage and protection policy for your needs.
Get in touch for a free, no obligation initial chat!
Services
Buy to Let Mortgages
Ready to invest in property? Let me help you!
Help to Buy Mortgages
We're experts in new builds!
Debt Consolidation
Consolidating debts? Lets get started!
Critical Illness Cover
Don't wait until it's too late! contact me now!
Income Protection
How long can you afford to be off work?
Buildings & Contents Insurance
Protect your home and belongings from disasters!
Our Process
Step 1 - Get Prepared - Free Initial Chat
We’ll have an initial chat to understand your plans and aspirations then run through your facts and figures to check your affordability and any criteria we need to work around. I’ll also explain the house buying process, the different types of mortgages and protection policies available and the costs of moving.
Step 2 - Mortgage in Principle
Once I’ve narrowed down the most suitable lender for your circumstance I will approach them to obtain a mortgage in principle. A mortgage in principle is a certificate from the lender showing how much you’re able to borrow, this is usually valid for 3 months.
Step 3 - Make an offer
Find a home you love and then make an offer. When your offer is accepted the estate agents will need to see your ID, agreement in principle, proof of deposit and solicitor details. Then they can market the property as Sold Subject to Contract (SSTC).
Step 4 - Full mortgage application
At this stage, I’ll run you through the mortgage deal including the monthly payments and the terms and conditions. Then, I’ll apply for the full mortgage application. The lender will need to see your documents and do a mortgage valuation. Click here for more information on mortgage valuations.
I will also submit your protection application at this stage to make sure you’re fully protected!
Step 5 - Instruct a solicitor
You will need to instruct a solicitor to take care of all the legal work. They will apply for searches and raise enquiries with the vendors (the seller) solicitor. This process usually takes around 8-12 weeks.
Step 6 - Mortgage Offer
After the lender has underwritten your application and approved the property they will then issue the mortgage offer which is usually valid for 6 months.
Step 7 - Property survey
This is optional but you may want to arrange a survey for peace of mind. There are different levels of survey available from home buyer reports to full structural surveys.
Step 8 - Exchange Contracts and Completion
Once your mortgage is offered, the legal searches are back and enquiries are satisfied, it’s time to arrange a date for exchange and completion. On completion you get the keys to your new home!
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Prices
Navigating the complex landscape of mortgage options can be overwhelming. My role as your mortgage and protection advisor is to simplify this process for you, saving you time, effort, and potentially even money. I have established relationships with a variety of lenders, giving me access to a wide range of mortgage and protection products so I can tailor to your unique financial situation and goals.
Typical Broker Fee: £495.00 (payable on application)
A discount of £50.00 per person is available for the following professions/industries:
- NHS workers
- Teachers (including teaching assistants)
- Emergency service workers
- Current and ex British Armed Forces