• Rachael Panteney

Calling First Time Buyers

A first property purchase can be an exciting, yet scary time.

The mortgage process can be lengthy, so it is important to know what documents you need beforehand.


Before you start looking for your dream home, you will need to know what’s actually within your price range. You should research not only how much you can borrow, but how much it will cost you to pay back each month.

Don’t forget to also allow for other essentials such as Life, Serious illness and income protection. If you are buying a freehold property then Buildings Insurance is mandatory as a condition of the mortgage. If you are looking at a freehold property (flats) there may be additional maintenance charges to pay.


To ensure you are in the best position possible, why not book a meeting to discuss your options. Obtaining an Agreement in Principal not only lets you know what you can borrow, it will also give you credibility with estate agents and vendors. It shows you can potentially afford the properties you're viewing and that you're serious about buying.


Your home may be repossessed if you do not keep up repayments on your mortgage.

Rachael Panteney

Financial Adviser

Willow Tree Financial Services

01323 436680

rachael@willowtree-fs.co.uk






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