Buying your first home?
Buying your first home is a big decision, and it can feel overwhelming. Claire helps you understand your mortgage options and the application process in plain English. Mortgage availability and approval depend on your circumstances, affordability and the lender's criteria.
- ✓ Personal mortgage advice
- ✓ Step-by-step guidance
- ✓ Support from application to completion
How Claire can help
First-time buyers
Clear, jargon-free advice on deposits, affordability, and the schemes available to help you onto the property ladder.
Home movers
Moving up or downsizing? Claire helps you compare suitable mortgage options, taking account of your circumstances, costs and lender criteria.
Remortgaging
Coming to the end of your current deal? Claire can review your options, including staying with your lender.
You may have to pay an early repayment charge to your existing lender if you remortgage.
Buy-to-let
Practical guidance for landlords, whether you are purchasing your first rental property or growing a portfolio.
Rental income is not guaranteed and you remain responsible for repayments. Your property may be repossessed if you do not keep up repayments on your mortgage.
Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.
Adverse credit mortgages
Worried that defaults, County Court Judgments (CCJs) or missed payments could affect your mortgage options? Claire can help you explore what may be available, taking the time to understand your credit history and current circumstances, with friendly, straightforward guidance.
A mortgage is not guaranteed. Availability and approval depend on your circumstances, affordability and the lender’s criteria.
CREDIT REPORTS
When reviewing your credit history, you can choose which credit reference agency or credit report service you would like to use. The main UK credit reference agencies are Experian, Equifax and TransUnion.
We have an affiliate relationship with Checkmyfile, which is one credit report service available to you. Checkmyfile allows you to view information from all three of the UK’s main credit reference agencies in one place and currently offers eligible new customers a 7-day free trial.
Please note: You are not required to use Checkmyfile. You can obtain your credit report directly from Experian, Equifax, TransUnion, or another credit report provider of your choice.
If you choose to use Checkmyfile, the 7-day free trial is available to eligible new customers aged 18 or over who live in the UK. After the 7-day free trial, the subscription costs £14.99 per month unless cancelled. You can cancel your trial or subscription at any time. To avoid being charged the monthly subscription fee, you must cancel before the free trial ends.
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Mortgage advice you can trust
Personal guidance, clear explanations, and support through the whole process.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Get in touch