If you are in the process of buying your first home then the chances are that you are looking for a mortgage to fund your property. With literally hundreds of different providers and types of mortgages it can all seem a bit overwhelming as to where to start or who is really offering the best deal but there are a few simple pointers you can take into account when looking.
The first place to approach is always your own bank. If you've been with your bank for a number of years and have maintained a good credit rating with them then you will often find that they will offer you preferential rates over other lenders. Never be afraid to negotiate either, if you find a better deal elsewhere then mention it to your bank and say that you want them to beat it. They will do everything they can to get your custom so you may be surprised at how far they go to offer you similar or better terms and rates.
Make sure that you are always looking for a "First Time Buyer Mortgage". These will often offer highly discounted interest rates, free or discounted mortgage fees and sometimes some additional offers such as money towards your survey or legal costs.
These mortgages are aimed specifically at first time buyers so you will only get one chance to use one of these offers. Once you've had your first house you will no longer qualify so it makes sense to not miss out on the amazing offers that some banks will put together in order to entice you in to using their company.
It may well be worth approaching a mortgage broker too. Sometimes mortgage brokers have a bit of a bad reputation but this is normally down to more unscrupulous brokers who make high charges for using their services. If you can find a broker that makes a small and reasonable fee then they can provide a very useful service. These brokers often have access to dozens, if not hundreds, of different lenders and they can therefore scour through all the lenders and deals available at that specific time and find the very best offer that suits you and your circumstances.
Always remember that in order to achieve the very best ฝากขายอาคารพาณิชย์ mortgage deals for your first property you will always have to have a decent sized deposit. As a first time buyer you do not benefit from already owning a property that may have equity in it and therefore you are seen as more of a risk by lenders and so to counter that risk you may sometimes be lumbered with extra charges or a higher interest rate. Therefore, you should always look at putting down as large a deposit as you can comfortably afford. The bigger the deposit you put down, the smaller the risk the bank sees you as. This therefore makes you much more likely to have your mortgage approved and to be granted with a much more reasonable interest rate and terms.
ไม่มีความคิดเห็น:
แสดงความคิดเห็น