The entire process was painless, the service was unsurpassed – being contacted frequently and offered assistance and guidance along the way - and We know Mortgages certainly know how to identify the needs of their clients and assist them in every way!
I would highly recommend their services to anyone at any time!
Marlene Nicholls (London)
I found this company really easy to deal with. Their consultants are very professional and extremely helpful. Nothing is too much trouble and they are always trying to give you the best price but using reputable companies. I highly recommend them for any policies you might need. Thank you! Maria
Maria Marco (Lancaster)
I can highly recommend 'We Know Mortgages Ltd'. I purchased life insurance with Aviva. No hassle, straight forward and a good price too! The service was very professional and I would use them again.
Clare Robinson (Preston)
The service from We Know Mortgages comes second to none! From initial consultation to contract exchange the communication, assistance and advise from We Know Mortgages was fantastic. The portfolio of products available through We Know Mortgages is extensive saving me time and money. I fully endorse their service and would recommend We Know Mortgages to anyone looking for a mortgage, insurance or life cover.
Mark Merry (Preston)
First time buyers are, by definition, generally at the bottom step of the ladder. Typically first time buyers require:
We Know Mortgages Ltd strives to offer the best service to first time buyers and offers simple guide to first time buyers (below). The principles for a first time buyer remain the same irrelevant of market conditions.
First be ‘Agreed in Principle (AIP)’ by a mortgage lender. To obtain an AIP, a credit search is carried out taking all your personal details into consideration. Obtaining an AIP will indicate how much you can borrow (speak to one of our mortgage brokers for more information).
Some more lenders are stricter than others; too many credit searches trying to gain a pass is not advised as each ‘search’ leaves a footmark on your file. Our mortgage brokers will advise the best possible course and deal with your estate agent if need be.
Once accepted, an AIP certificate will be issued.
Secondly You should really get stuck into the property hunt, searching through websites, newspapers, and estate agents. The more properties you see the better.
Short list your potential properties, arrange viewings (our mortgage advisers can help with this), and if the property is right for you, speak to your designated mortgage consultant for an opinion and then make an offer. Also it is advised to take a family member or friend with you when viewing for neutral opinions.
It is always advised to negotiate the property to get the right deal for you. Speak to one of our advisers if you need help.
Finally, once your offer is accepted, the estate agent will generally require a copy of the AIP certificate and solicitors details. Our mortgage adviser will be able to forward these details to the estate agent; and then arrange for a mortgage application to be completed. Mortgage surveys/valuations are generally carried out immediately.
New build mortgages; Shared Equity mortgages; Shared Ownership mortgages, Right to Buy mortgages, all advised by our mortgage brokers based in Manchester city centre.
If you require mortgage advice and you’re a first time buyer; speak to one of our mortgage brokers we’ll go through your options. You can discuss all over the phone or come in to see an adviser in our Manchester city centre office. We have access to the whole mortgage market.
A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.