v THE NEXT HERALD IS OUT ON 3RD AUGUST v 13th July 2023 • The HERALD • Page 61 ASK A PROFESSIONAL Helen Sparks Mortgages & Financial Services Offering professional advice since 1985 Mortgages Residential Life Time Equity Release Buy to Let – first time landlords Property Portfolios Help to Buy Insurance Buildings & Contents Insurance Life Assurance Critical Illness Income Protection YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS This firm usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity. Some forms of buy to let mortgage are not regulated by the Financial Conduct Authority. 023 8084 4108 enquiries@helensparks.com Helen Goodall T/A Helen Sparks Mortgages & Financial Services is an appointed representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd which is authorised and regulated by the Financial Conduct Authority CGM Solicitors - First Time Buyer’s Quick Guide Buying our rst property is very exciting but also a daunting prospect. It is likely to be the largest amount of money that you have ever paid out in one go. You are also unlikely to be familiar with the procedure involved in buying a property. e combination of these factors could make the process seem very stressful. But you can assist in making your move run smoothly:- • Research your property options and look into the di erent schemes available before choosing a property • Consult a specialist mortgage broker especially if you are buying a shared ownership or new build home • You will need to prove your identity and where the funds you are using to buy have come from. Make sure you have up to date identity documentation and bank statements • Know your budget and bear in mind there will o en be additional expenses that will arise during the process. Make sure you have contingency for this. • Pick a legal adviser you feel comfortable with and that you can communicate with clearly and e ectively • Don’t be afraid to ask questions of the professionals involved. It is their job to make sure you understand what you are committing too. • Be realistic on timescales. If you try and rush things, then you may add to your own stress levels if things don’t quite go to plan. Any questions we are here to help. We specialize in a wide range of property matters and transactions so please call us for an initial chat on 023 8048 8788.
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