Ask the mortgage adviser - Deb at Signature Funding Solutions

For all of you First time Buyers out there, this is one of the biggest purchases you’ll most probably have to make, but it’s also such an exciting time and you really should enjoy every moment. My top pieces of advice would be:


Ensure you have the right funds


Check out your finances first before doing anything else – Make sure you have enough funds saved for your deposit ideally, between 5 – 10%, don’t forget to also put some money aside to cover solicitors’ fees, stamp duty costs, etc.


Agreement in Principle

Ensure you get an ‘Agreement in Principle’ before starting to look – This will be one of the first things an Estate Agent will request when you make an offer on a property. Having this beforehand will show that a lender will lend you the necessary funds to purchase the property alongside your deposit funds, and will prevent any delays.


Register yourself with all the property websites


Get yourselves registered with as many property websites and agents as you can. Keep a look out on the big platforms especially On the Market as properties get added on here 24 hours before Rightmove. Other platforms such as Rightmove and Zoopla are handy too. I would also recommend registering with individual estate agents as most of them will send you houses that fall within your criteria. It will also allow you to see what you can get for your money.


Get to know our Client Manager, Deb


I have been a Client Manager at Signature for almost four years. I have around 27 years’ experience in the property and finance industry, 20 of them as an estate agent. I love the job I do because I like to help people achieve their goals whether that be buying the first home, their forever home or expanding their portfolio. As a Client Manager, my role is to get the deal over the line over to completion, and making the transition as smooth and as easy as possible.


The best part of the job is when you are faced with a problem, and then have to gather all the information to investigate in to it further to eventually solve the issue to achieve the best positive outcome for the client and receiving such lovely feedback!


When I’m not in the mortgage world…

I like to spend time with my husband and my third child Ted my 7-year-old Shih tzu.


Want to go ahead and the make the move?


We’re ready if you’re ready! We have access to a wide choice of specialist lenders and high street banks, which means we’ll be able to find the perfect package for you no matter what your needs. We’ll work hard to do what’s best for you.


If you want a helping hand from our signature experts, get in touch!