First Time Buyer

We appreciate how important it is to get on the housing ladder, however with prices so high, we understand how difficult it is for First Time Buyers to make this step and we’ve helped many First Time Buyers with their first mortgage home finance.

Essentially, the bigger the deposit the better – the more choice there will be and the lower the interest rate and set up costs.

However, if you don’t have much of a deposit, there are sometimes ways of getting around this through vendor gifted deposits, guarantor mortgages, shared equity or shared ownership schemes to name but a few.

We can advise on the type of mortgage that will best meet your needs, whether fixed, tracker, variable or discount and if you want interest only or repayment. We advise on the lowest overall cost basis taking the interest rate as well as set up fees into account and as we are “whole of market” we search through all the mortgages from all the lenders on the market.

01904 263012  
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Here's what our clients say...

“Mortgage Tree showed me how to improve my credit rating as I had a few issues with my credit previously. As a result of their excellent advice I have now secured a mortgage at a great interest rate. They also helped me sort out life & critical illness cover which offers great protection for myself and my family. Mortgage Tree offers a fantastic service and I recommend them wholeheartedly.”

Charlotte - Leeds

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Mortgage Tree - Mortgage Advisors York - Services & Standards

Mortgage Tree offers a nationwide mortgage broking service from our base near York, North Yorkshire. We specialise in mortgages and insurance. Whether you are a first time buyer or you are a buy to let investor with multiple properties, Mortgage Tree will ensure that you get the best products available.

We are a Whole Of Market broker which means that we will choose the best, most suitable mortgage for you from the hundreds available on the UK mortgage market. Our network also gets special discounted deals from lenders available only to our network.

We also provide insurance cover that will give you & your loved ones a blanket of protection that is so vital. We will endeavour to give you the best service that we can at all times.

Mortgage Tree is an appointed representative of Julian Harris Mortgages ltd which is authorised and regulated by the Financial Conduct Authority. Our FCA no. 304155

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. BUY TO LET (PURE) AND COMMERCIAL MORTGAGES ARE NOT REGULATED BY THE FCA.

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Mortgage Tree

Blake House

18 Blake St

York

YO1 8QG

01904 263012