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Mortgage Advice

Having the right mortgage advice can save you money, time, and stress.

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Mortgages

Save yourself time, money and stress by using Alica BC's affordable mortgage expertise.

Home Buying

Before buying a home you need to find out how much you can borrow. I can do this by checking lenders affordability calculations and reviewing your credit report.

Most lenders require a 10% deposit, there are a few who only ask for a 5% deposit.

Some property sales attract a tax known as stamp duty. You can visit this link to see if it will apply to your property purchase https://www.stampdutycalculator.org.uk/

All property sales follow the same process this is:

  1. Find out what you can borrow and how much deposit you need
  2. Make an offer on a house you wish to buy
  3. Once this is accepted apply for a mortgage decision in principle
  4. Submit a full application to the mortgage lender and provide 3 months payslips, bank statements and any other documents requested
  5. A valuation is carried out by the lender
  6. The lender issues a mortgage offer
  7. Your solicitor carries out the legal searches
  8. You exchange & complete (normally a week in-between)