JML has years of experience helping first-time buyers to get onto the property ladder.
It can feel overwhelming knowing where to start when buying your first home. Our fully qualified advisers are here to guide you through the process, from start to finish.
We know that the jargon can seem daunting and JML’s trusted advisers can explain it all in simple terms. There is no such thing as a silly question – we will always be on hand to assist you.
Our team of experts will take the time to understand your unique financial circumstances and homeownership goals. We can help you work out how much you can afford to borrow, so you know what is achievable.
JML is here to help you make your mortgage application as strong as possible. We can assess your credit rating and suggest ways that you can boost your score.
There are many different types of mortgages to choose from. Being able to afford a deposit is a barrier faced by many first-time buyers. More lenders are accepting deposits that are only 5% or 10% of the property’s value. But the more you can put down as a deposit, the less you will have to borrow.
With access to the whole of the mortgage market, we will ensure all your options are thoroughly explored so you can make an informed decision.
It can feel like there’s a lot of paperwork involved with a mortgage. But JML can take care of that for you, so you can focus on the other parts of moving. Our user-friendly client portal makes the experience smoother for you. All the information you need will be in one place, so you can stay fully updated with every stage of your application.
Aside from a mortgage, there are other costs involved with buying a home. This might include Stamp Duty (if not exempt), the cost of a conveyancer, a house survey and valuation fees. JML’s reliable team can advise on the specifics.
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JML (Financial) Associates Ltd is Registered in England & Wales. Company Number 04146750, Registered office address: 42 St Andrews Gardens, Cobham, Surrey KT11 1HG. Authorised and regulated by the Financial Conduct Authority. JML (Financial) Associates Ltd is entered on the Financial Services Register https://register.fca.org.uk under reference 195987. The guidance and or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK. If you wish to register a complaint, please write to enquiries@ jmlassociates.co.uk or telephone 01932 865500. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at https://www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.
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JML (Financial) Associates Ltd is Registered in England & Wales. Company Number 04146750, Registered office address: 42 St Andrews Gardens, Cobham, Surrey KT11 1HG. Authorised and regulated by the Financial Conduct Authority. JML (Financial) Associates Ltd is entered on the Financial Services Register https://register.fca.org.uk under reference 195987. The guidance and or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK. If you wish to register a complaint, please write to enquiries@ jmlassociates.co.uk or telephone 01932 865500. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at https://www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.
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