What can we offer you?

As we have access to thousands of mortgages with a huge range of lenders, we can offer a wide range of first time buyers' mortgages with some special features:

• No savings or deposit, no problem!
• Borrow as much as 125% of the purchase price of the property which can be a mix of secured and unsecured borrowing
• The ability to self certify up to 90% of the purchase price of the property
• Products available which can ignore all credit commitments
• Cash back mortgages available (Please note some lenders require the repayment of the cash back amount either in part or full if the mortgage is repaid early.)
• Help with costs including no legal and arrangement fees
• Ability to accept family gifted deposits
• Clients with adverse credit considered (Please note the overall cost for comparison is 6.7% APR. The actual rate available will depend upon your circumstances. Ask Holmes The Mortgage People for a personalised illustration.)