14 Hamilton Square, Birkenhead, Wirral CH41 6AX, UK
Telephone. 07827 536 808 ---Email. matt@gartland-fs.co.uk
 
 





Buying a house is one of the most important purchases you will make. At Gartland Financial Solutions we know that buying a home for the first time can be an intimidating process with many questions needing answered...

How much can I borrow? What will the repayments be? What fees do I need to pay? What if I don't have a deposit?
Our advisors will talk you through the financial aspects of the buying process and provide you with advice to find the best mortgage suited to your needs and circumstances.

Deposit
Currently mortgage lenders will lend up to 95% of the value or purchase price, whichever is the lower. This means that you will be required to put 5% deposit down and the more deposit you can produce the better deal lenders will offer.

Don't worry if you can't produce this size of deposit, Gartland Financial Solutions can look at alternative ways of getting you on the property ladder which include:

Shared Equity
Shared Ownership

How much can I borrow?
The majority of mortgage lenders will calculate how much they will lend based on affordability where they analyse your monthly income and expenditure. Gartland Financial Solutions can obtain an accurate borrowing figure based on your circumstances.

Solicitor
Buying your first property is probably the first time many clients have ever needed a solicitor. Our advisors can provide you with a solicitor who offers very competitive legal fees when you arrange your mortgage with Gartland Financial Solutions .



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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

We normally do not charge a fee for mortgage advice, however a fee paying option is available, and our typical fee would be up to 1% by individual agreement. For Equity Release arrangements we typically charge a fee of £295 payable at the outset and a further fee of £995 payable upon completion.

Gartland Financial Solutions is an Appointed Representative of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority The Financial Conduct Authority does not regulate Will Writing, Inheritance TAX Planning or Trusts and does not regulate most Commercial or Buy to Let Mortgages.