There are some fantastic career opportunities for the younger generation here in Cumbria and South Lakes, but with such a lack of first time buyer mortgages around it’s really difficult for them to realise their dream of buying their first home. Therefore we are proud to have launched our First Time Buyer range for proprieties in LA postcodes.
Due to huge demand we regret that we’re temporarily withdrawaing from the 95% space – the good news is that we are still here for 90% including on new build houses.
We’ll also look at help from close family members, allowing them to join the mortgage without having to be named on the mortgage deed. This can sometimes address early affordability issues, especially where there is potential for the applicants’ earnings are likely to increase as their career progresses.
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We'll always take the time to take a detailed look at your client's situation. In practice, this means that we've been able to support a huge range of buyers who needed to take advantage of our flexible approach to underwriting. Take a look at the stories below for just a few examples of how we've helped in the past.