Getting on the Property Ladder & Maintaining Your Mortgage

Buying your first home is both exciting and stressful.

From saving for a deposit and working out affordability to finding the right property at the right price, the process can be lengthy and confusing. This is where Bigmore Mortgages and Protections can help. Even if you’re not ready to start climbing the property ladder and are just starting to plan for it, we’ve put together a few resources for you. We know that by starting to understand the process before it begins you will feel much more in control and less stressed by it. 

And if you are ready to make that first step, or have recently completed a purchase, you might be thinking about how you can maintain your mortgage in the ever changing financial landscape we currently live in. We’ve got that covered, too. 

Here are a few of our resources to help you navigate the home buying process.

Our free Guide to Homeownership for First Time Buyers is designed to give you the information you need to navigate taking your first steps onto the property ladder, and alleviate some of the stress in the process. 

Upon expiry of your initial mortgage contract it will be time to make a decision. Do you remortgage, do a product transfer, or even take a further advance? Let’s take a look at what each option is and why you might, or might not, choose them.

Personal protections are insurance products that protect you from personal risk. In this mini guide you will learn what some of the most common types of personal protections are, how they work and why you might need them.

If you are a homeowner, you might have heard that there are benefits to overpaying on your mortgage. It’s true there can benefits to this but there are a few things to consider before making this decision.

Our Team of Advisors

Bigmore Associates has over 50 years experience guiding clients through the most impactful financial moments of their lives. Let us guide you through the home buying process.

Cain Stennett

Cain Stennett

Financial Planner & Mortgage Advisor
Dip CII, Certs CII (MP & ER)

Cain offers advice on all aspects of financial planning, the mortgage market, protection, and equity release. He has experience catering to clients from all walks of life, always aiming to provide clear, concise advice.

Outside of work, Cain’s interests include music, gaming, and history (in which he holds a masters degree) as well as watching sport and spending time with friends.

Chris Layzell

Chris Layzell

Head of Mortgages & Protections
Cert CII (MP & ER)

Chris deals with all aspects of mortgages & protections including purchases, remortgages, buy to let mortgages and supporting life cover, as well as becoming an equity release specialist.

Chris is a big sports fan and keen cyclist; he can often be found cruising around the Surrey Hills in his spare time.

Bigmore Mortgages & Protection can provide assistance with:

First Time Buyer

The path to purchasing your fist home can be equally exciting and daunting, as you navigate the minefield of options available.


Property Purchase

Ready to make your next move? Bigmore Mortgages takes care of your mortgage so all you need to focus on is the move.


Re-mortgage

Your mortgage is the largest financial commitment you will have so it makes sense to review your options on a regular basis.


Protection

With adequate personal protection in place, you and your family can have peace of mind.


Our Process

Our friendly and knowledgable team provide clear communication to you, to providers, estate agents and solicitors as necessary. We work swiftly and efficiently, recommending the product that best matches the needs of your personal circumstances. As whole of market advisors, the range of products available to you will be greater than your local high street bank.  

Consultation

We will have an initial meeting to discuss your requirements.

Application Submission

Your application is submitted, along with supporting evidence for the lender to assess, and seen through to offer stage.

Review the Market

We review the whole of market to find the most suitable product and mortgage structure to suit your needs.

Working Towards Completion

We will liaise with the lender and solicitor to ensure all requirements are in place and that completion of the mortgage will take place without issue.

Report and Recommendations

We will report our findings, including a full recommendation outlining our rationale. At this stage we will also confirm your borrowing capacity was a Mortgage in Principle.

Ongoing Support

When your mortgage is due for renewal, we will reach out to guide you through the renewal process. We are also only a phone call away if you intend to make a new purchase.

In addition to the above, Bigmore Associates offers a range of services including:

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To learn more about Bigmore Associates visit our About Us page. 

To book a free mortgage review, or initial consultation on any of our service areas, enter your contact details below.

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