Month: June 2020

First time buyers in Manchester First time buyers are, by definition, generally at the bottom step of the ladder. Typically first time buyers require: Very high Loan To Value (LTV) – as they do not have large deposits. Extra Monies for home improvements Higher income multipliers as many first time buyers are at the early…

Second time buyers (or next time buyers) are applicants whom currently have a mortgage on a property and are seeking to sell, to move into another property. Generally searching for a bigger property or relocating to another area. Second time buyer mortgages have a similar path to a first time buyer where an agreement in…

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