When you’re about to buy your first home, every stage of your decision-making process can feel fraught with anxieties.
From how much of a deposit you’ll need, to trying to get a mortgage when you’re self-employed, there’s a lot of misinformation out there. Sadly, much of this misinformation may deter you from buying your first property. Now’s the time to unpick some myths.
Both online and in real life, you’ll stumble across common misconceptions about home loans. For example, while a 20% deposit is ideal, it isn’t an absolute requirement. Choosing one of the big four banks doesn’t mean you’ll get the best deal. Similarly, you don’t have to go with your current bank.
In reality, the factors that affect your mortgage application are attributed to you and your lifestyle. Understanding more about how this works will help you head for the right broker and agreement.
Before we begin, each factor will be unique depending on the situation. They include, but aren’t limited to:
If you’re aching for a mortgage and you want to know what the secret to getting one is: it’s awareness. Arm yourself with information that’s relevant to your personal circumstances. If someone tells you something, investigate the facts for yourself.
At Achieve Homes, we always recommend seeking professional advice when assessing your circumstances and making financial decisions.
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