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Buying your first home is exciting, but it’s important you get the right advice so you don’t make a mistake.
We’ve been helping the Nepalese community for 30 years. We speak English and Nepali so we can help you understand your mortgage.
We’ll answer all your questions, find you the right deal, and guide you from start to finish. We talk to your lender, estate agent, and solicitor to make it easy for you.
Chat with us for FREE and we’ll explain everything you need to know!
It takes less than 60 seconds…
Getting your first mortgage can be confusing, but with our help it’s easy. You’re about to buy your first home and that’s very exciting! We’re here to make sure you have a happy and successful journey.
How we can help you.
There’s lots to understand when looking for your first mortgage, and making the right decisions will save you money. At your free meeting with us, we’ll talk about your situation and work out how much you can borrow. Then we’ll find the most suitable deal available to you. If you are happy to continue, we’ll apply for the mortgage for you and guide you through the process.
There are thousands of different mortgage products out there, and we have access to all of them. This means we can find you the right product for your situation. These mortgages are all different. You must understand the interest rate, fixed-rate period, variable rate, mortgage term, product fees, early repayment fees, first time buyer discounts and schemes, and lots more! We speak English and Nepali, so we can explain all this to you. Together we can make sure you get the right deal.
If you’re a parent looking to help your child get on the property ladder a JBSP mortgage could be your best option.
Many people need financial help from a family member or friend to buy their first home. One way of doing this is by using a JBSP mortgage. These products allow the supporting family member or friend, typically a parent, to enter into the mortgage with their child. This can help the child purchase a property that they would otherwise not be able to.
The difference between a JBSP mortgage and a normal joint mortgage is that the parent won’t be named on the title deeds of the property. So the parent won’t legally own any share of the property, and therefore won’t have to pay any stamp duty tax. With a normal joint mortgage, assuming the parent already owns their own home, the purchase would be treated as a second home and they would therefore owe stamp duty tax. With a JBSP mortgage, the parent won’t have to pay this tax, potentially saving thousands of pounds.
The parent will also not be entitled to any profits resulting from an increase in the property’s value. This can be an advantage for parents who would like their children to benefit from the full value of the property. It also means the parent is not liable for capital gains tax when the property is sold.
How do you get a JBSP Mortgage?
There are things we will need to discuss with you before applying for a JBSP mortgage. We recommend booking your free chat and for both parties to come to the meeting (parents and child or example).
We’re experts in this type of mortgage, and we speak English and Nepali, so we’ll be able to explain everything to you clearly. Not all lenders provide JBSP mortgages, but we have access to a wide variety of lenders so we’ll be able to find the right product for your situation.
If you want to purchase your first home with 2 or 3 other people then a Multiple Person Mortgage could be your best option.
It’s common for 2 people to get a joint mortgage together, often used by married couples or partners. But many lenders also allow 3 or 4 people to take out a mortgage together, often used by families or groups of friends who are looking to pool their money to buy their first property. If getting a mortgage on your own is not possible yet, then a Multiple Person Mortgage may be a good option.
As a group, your deposit and income are likely to be much more attractive to lenders, and therefore you should be able to borrow more money and get a better rate than you would by yourself.
Different lenders have different criteria when it comes to who can take out a Multiple Person Mortgage and whether or not all applicants must live in the property. We can help you decide which lender is right for your situation.
There are two ways you can own the property as multiple owners, you can either be ‘joint tenants’ or ‘tenants in common’. We will explain what each one means during your free chat so you can make the right decision.
How do you get a Multiple Person Mortgage?
Multiple Person Mortgages can be a great way of getting on the property ladder earlier than you would be able to on your own. However, there are a few things to think about and discuss before going ahead and it’s important you speak with an experienced advisor. We’re experts at this type of mortgage, and we also speak English and Nepali so we can explain everything you need to know.
Not all lenders offer Multiple Person Mortgages and the ones that do have different criteria. We have access to all the lenders and we understand the criteria for each, so we can find you a mortgage that fits your needs perfectly.
Book your FREE chat with an expert Multiple Person Mortgage advisor.
What do we charge?
It’s completely free to come and chat with us!
If we find you a great deal and you decide to use our service, our typical fee is £595. This can be slightly higher if your case is particularly complicated, but it can also be lower. We’ll confirm your exact fee before you have to commit so you can make an informed decision.
We’re so confident we’ll find you the right mortgage that you’ll receive a full refund if you’re not successful. In other words – No Mortgage Offer, No Fee.
Our typical fee of £595 is split into two payments to make it easier for you:
£100 is due when we apply for your mortgage.
£495 is due once you have received your offer.
Remember, you won’t be charged anything for your initial consultation, so don’t miss out on some free advice!
We speak English and Nepali, so we can help you understand everything you need to know.
We’ve been helping the Nepalese community for 30 years and thousands of happy customers have used our service.
As impartial mortgage advisors, we have access to the full range of products and have extensive knowledge of each lender’s criteria.
We’re proud to have been voted Best Mortgage Broker in the South East! Awarded by the HLP Mortgage Network.
We can come to your home or you can come into one of our offices. We’re open all week and Saturday morning.
Your first chat with us is completely free, you will get some great advice and there is no fee until you decide to use our service.
We’re so confident we’ll find you the right deal that all fees will be refunded if you’re not successful.
If you’re self-employed we can still find you a great mortgage. In fact no matter what your situation we should be able to help you.
how it works
Spend seconds filling out a few questions online, or give us a call to book your FREE chat.
We’ll explain everything you need to know, find you the right deal and apply for you.
This one’s self-explanatory, just sit back and enjoy your new mortgage!
