Clear Guidance for Home Buyers
How We Can Help
New Build Mortgage Guide
Costs of Buying a Home
Straightforward Mortgage Advice
Expert Knowledge of the Market
We work with mortgage lenders on a daily basis and have a broad knowledge of the products and deals available to applicants. As a mortgage advisor, our primary objective is to secure the best mortgages for our clients.Save Money with No Hidden Costs
Our aim is to save our client's money. Mortgage quotations detailing all costs are provided at outset of any application, thus ensuring no unexpected surprises.Finding you the Best Possible Mortgage Deal
The process of finding our clients the most cost-effective mortgage deals based on credit history, income and expenditure and loan to value. We try to simplify the application process with clear financial advice along every step the way.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT.
JB Financial Solutions Ltd is authorised and regulated by the Financial Conduct Authority (FCA).
Our FCA number is 531615.
Help to Buy Mortgages
The current Help to Buy equity loan scheme is available for both first-time buyers and those who are hoping to move up the property ladder and is set to run until 2021. Once it has ended, it will be replaced by a new Help to Buy equity loan that was introduced in the 2018 Autumn Budget and is available for first-time buyers only, which will run for two years until March 2023.
Help To Buy On New Builds
The equity loan aspect of the Help to Buy applies solely to new build properties costing up to £600,000. If you choose to buy an older property, you will not be eligible for the Help to Buy. With Help to Buy: Equity Loans the government lends up to 20% (40% in London) of the cost of a newly built home. The scheme requires a deposit of 5% or and a mortgage of 25% or more. No interest is charged on the 20% loan for the first five years.
Help To Buy Mortgage Process
A buyer is normally required to put down a reservation fee in order to secure a new build plot. As developers work to tight timescales it's important to be organised with your mortgage paperwork and to have an in-principle agreement in place before paying your reservation fee. As we will pre-approve your application beforehand, it means the full application can be submitted swiftly for you with the best chance of ensuring a successful outcome.
We're Here To Help
The Help to Buy scheme enables people to get on the property ladder. Our straightforward approach means you get the most out of the scheme.Mortgage Calculator
Understanding your monthly financial commitment is a hugely important part of the mortgage application process. Use our mortgage repayment calculator to work out what your monthly repayments are likely to be based on the amount of money you will need to borrow, the interest rate and the term of the mortgage.
Please Note: How much you can borrow will depend on income, expenditure, credit status and the level of deposit. To understand how much you will be able to borrow please visit the mortgage calculator page
Get in TouchSpeak to us today for jargon-free mortgage advice
We are an mortgage advisor based in Southport and covering Merseyside and Lancashire. We work with clients across the region, including Liverpool, Manchester, Bolton, Preston, Wigan and St Helens, and sometimes further afield depending on the project.
Call Us: 01704 539492
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT.
JB Financial Solutions Ltd is authorised and regulated by the Financial Conduct Authority (FCA).
Our FCA number is 531615.