First-Time Buyer Mortgage Advice in Liverpool
Book your free consultation today.
Click the button below to get started and one of our advisors will be in touch!
Broker Fee
We charge a broker fee of between £0 and £400, our typical fee charged is £300. The amount we will charge depends on the amount of research and administration that is required for each case.
Book your free consultation today.
Click the button below to get started and one of our advisors will be in touch!
Broker Fee
We charge a broker fee of between £0 and £400, our typical fee charged is £275. The amount we will charge depends on the amount of research and administration that is required for each case.
Secure your First Home at ease!
As a First-time Buyer, it can be quite intimidating buying your first home. Also, dealing with estate agents and solicitors can be stressful too, which is why our Mortgage Advisors in Liverpool will be with you throughout your Mortgage Journey, to ensure you secure your dream home at ease.
First-Time Buyer Mortgages in Liverpool
At Cassidy Mortgages, our job is to conduct a search through all of thousands of Mortgage deals that are currently available.
With over 35 years of experience, our Mortgage Advisors work with the responsibility of finding the best deal tailored to your personal circumstances. No matter the situation, we promise to try and help in the best way possible. Get in touch with our Mortgage Advisors in Liverpool to see what we can do for you.
Client Reviews
Read about what our satisfied clients had to say about their experience with Cassidy Mortgages.
Kris Corrigan
We have dealt with Cassidy Mortgages for a few years, each and every time they have found us the best deal, very professional, trustworthy and an experienced company.
Richard Worrall
Couldn’t be happier with the service from Chris and his team, being an independent advisor we were able to review different options for our mortgage and choose the right one (saving me money along the way). Would definitely recommend and will be using again at renewal time. Thank you!
Jack Denny
Brilliant service from Chris. As first time buyers me and my partner were completely clueless but he made it easy. Explained everything perfectly, making the choices we had to make easy and stress free. 100% would recommend and will definitely be using it again for my future mortgage needs.
Leigh Carroll-Jones
Chris has helped myself and my husband buy 2 houses now and we'll be back when we're ready to move again. He's friendly, super professional and definitely knows his stuff which means you'll get the right deal for you read more...
Graeme Holmes
I was recommend Cassidy Mortgages and i can see why. Chris and Paul have been great from start to finish. Even with what seemed like a complicated remortgage and change of title deeds they got us through it. read more...
Liam O'Connor
Excellent service and communication from start to finish would highly recommend Chris Cassidy Mortgages to anyone trying to find a mortgage product or advice. I’ll be using Chris forever now! Thanks again Chris.
Get your Agreement in Principle TODAY!
The first step to finding your dream home is to obtain an Agreement in Principle to see how much a lender is willing to borrow to you and it will allow you to make an offer on a property.
We can get you agreed in principle on the same day, depending on the lender AIPs can last for up to three months.
Client Reviews
Read about what our satisfied clients had to say about their experience with Cassidy Mortgages.
To qualify as a First-Time buyer, all applicants on the Mortgage must have never purchased a home before.
First-Time Buyers do not pay stamp-duty for a Mortgage in Liverpool for properties worth up to £300,000. However, if a First-Time Buyer buys a property between the value of £300,000 to £500,000 a 5% Stamp-duty charge will be payable on the excess amount over £300,000.
Usually, as an estimate the amount you can borrow is normally 4.5x your annual income. However, many Mortgage lenders have different affordability criteria and they will have to consider your expenditure to determine your overall affordability criteria. This is why our Mortgage Advisors in Liverpool, will require you to complete our Fact Find, so we are able to get you an Agreement in Principle to find out how much a lender is actually willing to lend to you.
For residential Mortgages, the minimum deposit when buying a house in Liverpool is typically 5% and between 20-25% for Buy-to-let Mortgages.
Our first job as your Mortgage Broker in Liverpool, is to conduct our free telephone consultation, where we will have an initial chat and invite you to complete our Fact Find. This is to understand your personal and financial circumstances, so we can recommend the most suitable Mortgage Product. Upon completing the Fact Find, we will aim to obtain your agreement in principle within the same day. Following the AIP, we will submit the Mortgage Application processing all the paperwork on your behalf and we will be by your side until you complete.
At Cassidy Mortgages building a client relationship is very important us, so the purpose of our free Mortgage Consultation is to understand your current requirements and needs. Followed by a Fact Find to gain an insight about your financial situation. After we have all of the necessary information, your Mortgage Advisor in Liverpool will shop the Mortgage marketplace for the most suitable deal for you.
Our Mortgage Process consists of six stages being Fact Find, Agreement in Principle, Application, Offer, Exchange of Contracts and Completion. Throughout all of these stages our Mortgage Advisors in Liverpool will be by your side throughout your mortgage journey and will be there for you when you next need us to Re-mortgage.
Cassidy Mortgages recommend that you prepare yourself prior to viewing any properties in Liverpool, meaning build up your savings, check your credit file and have an Agreement in Principle in place. This will give you an advantage over other house buyers in Liverpool.
As a Mortgage Broker in Liverpool, Cassidy Mortgages will typically charge a fee of £300, which is payable at the Application stage when the application is submitted. However, as we provide a service of advising and getting you a Mortgage, our fee is NOT applicable if we are unable to get you a Mortgage.
Frequently Asked Questions
