Mortgage advice with Mortgage 1st
Clear advice. Confident decisions.
Wilson works closely with Mortgage 1st to give buyers, homeowners and landlords straightforward mortgage advice when they need it.
How Mortgage 1st can help.
Whether you are buying your first home, moving, remortgaging or reviewing a buy-to-let.
01
How much you could borrow
02
Options from a wide range of lenders
03
An Agreement in Principle
Subject to lender criteria.
04
Your mortgage application
05
Support through to completion
06
Protection and insurance advice
Getting mortgage-ready
Speak to Lucy before you make an offer.
Lucy can guide you through an Agreement in Principle. It gives an indication of what you may be able to borrow, and shows sellers you are a serious buyer. She is in our Bolsover office one day a week, face to face.
An Agreement in Principle is not a guaranteed mortgage offer and is subject to lender criteria.
Specialist lending
Not straightforward? You still have options.
Through Specialist 1st, Mortgage 1st’s specialist service, Lucy can introduce you to advisers who understand more complex lending, whether you are self-employed, a landlord, have had credit issues or are buying a non-standard property.
Self-employed and contractors
Buy-to-let and landlords
Limited company buy-to-let
Credit issues
Complex income
Non-standard properties
Capital raising and debt consolidation
Agreement in Principle guidance
Subject to lender criteria.
Every case is different. Mortgage options depend on your individual circumstances.
Your mortgage questions, answered.
Clear, honest answers to the questions we are asked most.
What is specialist lending?
Mortgage advice for people whose circumstances may not fit a standard high street lender, such as the self-employed, landlords, or anyone with complex income or past credit issues.
Do I need a mortgage adviser?
You do not have to use one, but many people find it helpful. An adviser can explain your options, compare suitable products and guide you through the application.
What is an Agreement in Principle?
It gives you an indication of how much you may be able to borrow, based on an initial assessment by a lender.
Does an Agreement in Principle guarantee a mortgage?
No. A full application is still subject to lender checks, affordability, underwriting and valuation.
When should I speak to Mortgage 1st?
Ideally before you make an offer, so you understand your budget.
Can Mortgage 1st help if I already have a mortgage arranged?
Yes. They may be able to review your options and offer a second opinion.
Your home may be repossessed if you do not keep up repayments on your mortgage. Mortgage 1st is a trading style of Mortgage 1st Limited, which is an appointed representative of Stonebridge Mortgage Solutions Ltd, and is authorised and regulated by the Financial Conduct Authority. Specialist 1st is a trading style of Mortgage 1st Limited.