Buying your first home is one of life’s biggest milestones — but it can also feel daunting. At Carlile Financial, we’ll make the process clear and guide you through each step, from your first viewing to moving day.
Your home may be repossessed if you do not keep up repayments on your mortgage
For our mortgage advice services, we will charge a minimum fee of £350 (Residential) and £495 (Buy to let). This fee can vary from case to case depending on the complexity which will be discussed and agreed after our initial meeting. In some cases, depending on the complexity, we may charge a maximum fee of 2% of the mortgage advance. A fee of 2% on a mortgage of £100,000 would mean a fee of £2,000. Once we have sufficient information to determine your fee, we will confirm this to you. The fee is payable on application. You will not receive a refund if your mortgage or loan does not go ahead. This amount will be confirmed to you in writing.
we’ll calculate how much you could borrow and what your repayments might be.
fixed rate, tracker, variable — we’ll explain them in plain English.
we handle all the paperwork and liaise with the lender.
so you always know what’s next.
We’ll provide an overview of related costs, such as surveys, solicitor’s fees, and stamp duty (where applicable), so you’re aware of the potential expenses.
No — in fact, it’s best to get mortgage advice early so you know your budget before making offers.
Yes — we’ll explain your options and check eligibility.
