The First Time Buyer Coach

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The First Time Buyer Coach

Hi, I'm Jon, The First Time Buyer Coach,here to simplify homebuying and get more FTB's on the ladder

13/07/2023

More mortgage rate increases this week, but... do they impact first time buyers as much as existing homeowners (if at all) and what opportunities do they bring to the table for FTB's?

Thoughts?

09/06/2023

18 year old should be paying into lifetime ISA’s NOT pensions if they want to own their own home.

16/05/2023

100% mortgages are back for FTB’s. But what’s the qualifying criteria?

15/05/2023

100% Mortgages available if:

You’re a FTB ✅
You’re over 21 ✅
You can evidence 12 consecutive months rental payments in the last 18 months ✅
You can evidence your ability to manage all household expenditure over the last year ✅
You’re NOT buying a new build flat ✅

15/05/2023

Agree?

There’s so much pressure and so much stigma around home ownership in the U.K, and whilst owning your own home is for most one of life’s main goals, it’s not for everyone and with good cause.

Think about this, would the bed in which you sleep feel any less comfortable if you were in a rented property? Would the sofa be any less relaxing? Would the food you prepare in the kitchen be less appetising?

Owning your own home can have many advantages for most (NOT ALL) but shouldn’t come at the cost of your own lifestyle.

It’s all too often now that banks and most mortgage brokers are so fixated with talking about how much you could borrow and how they could get you the most money, and whilst that may sound great initially, it fails to take into consideration ALL of your life goals and plans. For example, do you want to go on holiday every year? Or, do you want the freedom to eat out when you want to?

Mortgage affordability calculators are there to show you what the lender will likely lend to you based on your income and expenditure and use up your disposable income to do this. They do NOT take into consideration how much you WANT to spend on the payments each month.

So…when planning to buy your first home, it is important to factor your own life plans into your budgeting to ensure that you can achieve your home ownership goals without sacrificing your lifestyle.

That way, you don’t have to wait until you’re well into your 60’s to start living.

12/05/2023

Good morning all, who’s ready to make it happen?

11/05/2023

FREE ELIGIBILITY CHECK

100% Mortgages are back! FTB's in rented, you've been asking for it for ages...and now its here. A new mortgage product available exclusively for First Time Buyers who are renting, that takes into account the rent you have been paying.

If you want to find out if you are eligible for this new product and want to see if you could get out of the rental cycle and into your own home I have just set up an dedicated FTB eligibility appointment call to do just this.

Simply click on the booking link below and book a 30 min call with me and by the end of it, you will know if you qualify for this and how much you may be able to borrow.

https://calendly.com/davisfinancialsolutions/100-ftb-mortgage-eligibility-check

11/05/2023

Morning FTB Family...so as you may have heard 100% Mortgages are back and exclusive for you folks. I am finalising a FTB factsheet with tons of information about this at the moment, if you want one, comment below and I will get this sent to you as soon as its ready.

In the meantime a few key points for you are:

*Specifically designed for those currently renting

*You must be able to show a track record of maintaining rent and household expenditure for a min of 12 months, in the last 18 months.

*The mortgage payment must be equal to, or lower than the average rental payment over the last 6 months.

*Maximum of 4.49% income

*Credit profile will need to be immaculate with no missed payments

*Affordability still needs to be assessed with income and expenditure and not just rental payments.

*The criteria is pretty strcit for this, and although it wont work for everyone it will work for those it does (obviously lol)

If you want to know if you might qualify for this, this can be done within 15 mins. Drop me a message for more.

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https://beacons.ai/thefirsttimebuyercoach

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Buying your first home isn't just about interest rates- there's a lot more to it! Location, quality, amenities, and more, all come into play when deciding where to purchase your new home.#firsttimebuyers #firsttimebuyer #firsttimebuyeruk #firsttimebuyertips #thefirsttimebuyercoach #locationlocationlocation

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A common mistake made by most when buying theor first property and how to avoid it. #firsttimebuyers #firsttimebuyer #firsttimebuyeruk #firsttimebuyertips

How to improve your credit report, score and mortgage sucess as a first time buyer#firsttimebuyers #firsttimebuyer #firsttimebuyeruk #firsttimebuyertips #thefirsttimebuyercoach

3 Tips for Finding an Affordable First Home #firsttimebuyeruk #firsttimebuyertips #thefirsttimebuyercoach #firsttimebuyer #firsttimebuyers #

How to STOP mortgage rates increasing on you when you are looking for your first home! #firsttimebuyers #firsttimebuyer #firsttimebuyeruk #firsttimebuyertips #thefirsttimebuyercoach

Speed is everything at the moment when it comes to mortgages with lenders changing rates on a weekly basis. So if you are relying on your bank helping you, you’re going to get stuck! #firsttimebuyers #firsttimebuyer #firsttimebuyeruk #firsttimebuyertips #thefirsttimebuyercoach

Top tip - remember jouranists are NOT qualified mortgage advisers. They are story tellers. #firsttimebuyers #firsttimebuyer #firsttimebuyeruk #firsttimebuyertips #thefirsttimebuyercoach

If you dont have x ray vision and cant see through walls then havig a survey done when you buy your first home is probably a pretty good idea. #firsttimebuyers #firsttimebuyer #firsttimebuyeruk #firsttimebuyertips #thefirsttimebuyercoach

What’s your credit score and how do you check it? But wait…which one? #firsttimebuyers #firsttimebuyer #firsttimebuyeruk #firsttimebuyeruk #firsttimebuyertips #thefirsttimebuyercoach #checkmyfile

Don’t dismiss leasehold properties just because of the service charge when buying your first home. They can actually save you a lot of money in the long run. #firsttimebuyer #firsttimebuyers #firsttimebuyeruk #firsttimehomebuyer #firsttimebuyertips #thefirsttimebuyercoach #worthing #westsussex

You may be able borrow more than you thought. With some ftb’s being able to borrow up to 5.5 x their income, the homebuying game could look a lot different for you. #firsttimebuyers #firsttimebuyer #firsttimebuyeruk #firsttimebuyertips #thefirsttimebuyercoach

What is a ftb mortgage “exclusive” deal? #firsttimebuyers #firsttimebuyer #firsttimebuyeruk #firsttimebuyertips #thefirsttimebuyercoach

Never underestimate your position of power as a FTB when offering on your first property. #firsttimebuyers #firsttimebuyer #firsttimebuyeruk #firsttimebuyertips #thefirsttimebuyercoach

JBSP may hold the key to unlocking your buying power if you’re struggling to get the lending you need. #firsttimebuyers #firsttimebuyer #firsttimebuyeruk #firsttimebuyertips #thefirsttimebuyercoach

Make sure you are getting the right kind of service and support to take the stress and worry out buying your first home. #firsttimebuyer #firsttimebuyertips #thefirsttimebuyercoach #firsttimebuyeruk #firsttimebuyers #

Make sure you’re getting the full amount of help and support you need when buying your first home. It’s crucial to your success in this market. #firsttimebuyers #firsttimebuyeruk #firsttimebuyertips #firsttimebuyer #thefirsttimebuyercoach

Have you considered shared ownership? Shared ownership is a great way to get on the property 🪜 Could it be the answer you’ve been looking for? #firsttimebuyers #firsttimebuyeruk #firsttimebuyertips #firsttimebuyer #thefirsttimebuyercoach #sharedownership #partbuypartrent

Why its important to budget for more than you may think. #firsttimebuyers #firsttimebuyeruk #firsttimebuyertips #firsttimebuyer #thefirsttimebuyercoach #mortgagetipsuk

How to access FREE money for FTB’s! Lifetime ISA’a are a great way to either increase your deposit or save it quicker. #firsttimebuyers #firsttimebuyeruk #firsttimebuyertips #firsttimebuyer #thefirsttimebuyercoach #lifetimeisa

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