Bhavna Juneja

11/09/2023

Five reasons to choose First Step for your mortgage needs

Planning to move home? Here’s why you should talk to us:

👉we compare dozens of mortgages to get you a good deal
👉we can save you money
👉we take away the stress of buying a home
👉we’re friendly and experienced
👉we know and love Walsall!

Listen to our podcast for more on how we can help
https://fsmortgages.com/about-us/mortgage-broker-walsall/

Your home may be repossessed if you do not keep up repayments on a mortgage

31/08/2023

Buying a home in Walsall? Let First Step take the stress out of moving

First Step is a Walsall-based Mortgage Broker who will help you achieve your property goals. We:

👉get to know you and your plans
👉find the most competitive mortgage deals
👉manage your mortgage application
👉chase up solicitors, agents, and more
👉support you through to completion and beyond

Listen to our podcast for more details https://fsmortgages.com/about-us/mortgage-broker-walsall/

Your home may be repossessed if you do not keep up repayments on a mortgage

Cleanu - Cleaning Services Template

24/08/2023

How much can I borrow if I’ve only been trading for a year?💰
As lending is based on affordability and creditworthiness, your trading length shouldn’t impact this. 4.5 x your annual income is typical, but it can be slightly higher or lower, depending on your overall financial circumstances.📊
For further information on self employed borrowing, speak to us https://fsmortgages.com/self-employed-mortgages/self-employed-mortgage-one-year-accounts/
Your home may be repossessed if you do not keep up repayments on a mortgage

17/08/2023

Is it possible to get a mortgage if I’ve been trading for only 1 year?🎂

Yes it is possible and whilst less widely available, some independent Mortgage Lenders will consider Self-Employed applicants with as little as twelve months trading history available. You may be required to provide further proof of the sustainability of your income, however.📁

For more advice, speak to our team https://fsmortgages.com/self-employed-mortgages/self-employed-mortgage-one-year-accounts/

Your home may be repossessed if you do not keep up repayments on a mortgage
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13/08/2023

Can I get a Self-Certification mortgage?📝

Self-Certification mortgages were discontinued in 2014 due to lenders over-extending borrower’s affordability. Self-Employed mortgage applicants now need to provide substantial evidence of their income, to prevent this.👎

For more information about Self-Employed mortgages, speak to us https://fsmortgages.com/self-employed-mortgages/what-income-do-mortgage-companies-look-at-self-employed/

Your home may be repossessed if you do not keep up repayments on a mortgage

04/08/2023

When it comes to your mortgage appointment,
you will need following documents-
1. Passport or driving license
2. Proof of address, for example: Council tax bill, utility bill
3. Proof of income and outgoings
To find out more: please call us 07412622048 or write to us [email protected]

Your home may be repossessed if you do not keep up repayments on a mortgage

26/07/2023

How do I prove my income as Self-Employed builder?👷

Most Mortgage Lenders will use an average of your previous years of accounts, however if your income shows a continuous downwards trend, only your most recent year’s earnings will be used as your annual salary. 💸

To find out what mortgages are available to you, speak to our team https://fsmortgages.com/self-employed-mortgages/what-income-do-mortgage-companies-look-at-self-employed/

Your home may be repossessed if you do not keep up repayments on a mortgage

17/07/2023

As a Limited Company Director, can I use payslips to show my income for a mortgage application?📝

If you receive a salary from your own company, payslips are not adequate proof of income. SA302 forms will be required to prove your annual salary and dividends, which will also be considered.💰

💁For more information about Ltd company director mortgages, speak to us

https://fsmortgages.com/self-employed-mortgages/limited-company-director-mortgage/

Your home may be repossessed if you do not keep up repayments on a mortgage

13/07/2023

My business income varies each year, will I be accepted for a mortgage?⚖️

Some fluctuation is expected from Self-Employed mortgage applicants and business owners. Lenders use an average of your income over recent years (usually 2-3) to gain a more stable picture of your income, for this reason.

Speak to our team for further advice https://fsmortgages.com/self-employed-mortgages/limited-company-director-mortgage/

Your home may be repossessed if you do not keep up repayments on a mortgage

04/05/2023

Whether you buying your first home or investment property, there are pros and cons for each. Your decision depends on your own personal preferences and circumstances. For more details, write to us at [email protected]

06/04/2023

Can I sell my rental property to pay off my Buy to Let Mortgage?🏠
This is common practice, so yes, it’s possible, if circumstances allow. If you’re unable to sell in time or have to accept a low sale price, it may not be possible. It’s important to have a back up plan to cover circumstances like these too. 🌡️
For more advice, contact us now https://fsmortgages.com/mortgages/buy-to-let/
Your home may be repossessed if you do not keep up repayments on a mortgage

25/07/2022

Will I pay stamp duty on a Buy to Let property?🖃
On every property you own additionally to your home, 3% extra stamp duty fee is payable and as you will need to owna home before you purchase using a Buy to Let mortgage, you will be liable for that fee.👍
For more advice about Buy to Let, speak to us https://fsmortgages.com/mortgages/buy-to-let/
Your home may be repossessed if you do not keep up repayments on a mortgage