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The Castle Unit 345 2500 Castle Dr
Manhattan, NY
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
First Time Buyers
Everything you need to know about getting your first mortgage, and what to expect at every stage of the process.
Check what your mortgage may look like, in 3 easy steps
Buying or remortgaging shouldn’t be guesswork. Tell us a little about what you are wanting to do and we’ll give you the highlighted figures.
Step 1 of 3
What type of mortgage are you looking for?
First Time Buyer
Buying your first home
Moving Home
Buying a new property
Remortgage
Switch your current deal
Buy to Let
Investment property
Please select a buyer type to continue.
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We’re with you the whole way
Your first time mortgage journey
Buying or remortgaging isn’t just about the mortgage, and at Chat Mortgages we want to be there for you every step of the way.
Review your current mortgage
Before anything else, understand exactly what you’re on.
Your current rate, your remaining deal period, whether any early repayment charges apply, and when your deal ends. This information shapes every subsequent decision and is available from your original mortgage offer documents or directly from your lender.
Get your finances in order
Check your credit file, make sure you’re registered on the electoral roll, and have a clear picture of your current income and outgoings.
If your circumstances have changed since you originally took out your mortgage, a change in employment, income, or financial commitments, understanding how that affects your position before you apply avoids surprises during underwriting.
Chat to us
Our advisers will review your existing mortgage, compare a product transfer with your current lender against the wider market, and give you a clear recommendation based on the full cost picture — rates, fees, and any early repayment charges included.
If switching lenders makes sense, we’ll identify the most suitable product for your circumstances and obtain a Decision in Principle before any hard searches are run on your credit file.
Submit your application
Once you’re happy with the recommended product, your Chat Mortgages adviser will submit the full application on your behalf.
The new lender will carry out an affordability assessment, a credit check, and a valuation of your property, for most straightforward remortgages this is an automated valuation rather than a physical inspection, and the process moves quickly.
Receieve your mortgage offer
Once the lender is satisfied with the application and valuation, they’ll issue a formal mortgage offer.
Your solicitor will then carry out the legal work required to transfer the mortgage, discharging the existing one and registering the new one with the Land Registry.
Many remortgage products include free legal work, which can eliminate this cost entirely.
Completion
Once the lender is satisfied with the application and valuation, they’ll issue a formal mortgage offer.
Your solicitor will then carry out the legal work required to transfer the mortgage, discharging the existing one and registering the new one with the Land Registry.
Many remortgage products include free legal work, which can eliminate this cost entirely.
Mortgage Guides & Tips, Coming Soon
We are working on bringing you a library of resources so if you have a question, you’ll have an instant answer.
Support you need, flexibility you want
Mortgages aren’t one-size-fits-all, especially for businesses. Our process is smooth, simple, and tailored to your goals.
Dedicated mortgage advisor
Your advisor, start to finish, one point of contact who gets to know your situation and works in your corner.
Same day appointments
Advice when you need it, no more 60 minute visits to an office. Speak to an advisor from your home, for as long as you need. Same day.
Find you the right deal
The right mortgage, not just any mortgage. We search the market to match you with a deal that fits your circumstances, not just your budget.
Guidance until you get your keys
We don’t disappear after the paperwork. From application to keys in hand, we keep you informed and supported every step of the way.
Smart tools to guide
your next move
The big questions
See your estimated monthly payments and affordability so you know what to expect before you apply.
Let’s talk mortgages
When should I start the remortgage process?
The earlier the better, most lenders will allow you to secure a new rate up to six months before your current deal ends, with the new rate taking effect when the existing one expires. Starting early gives you time to compare the market properly, complete the necessary checks, and avoid any risk of reverting to your lender’s standard variable rate while the process is still in progress. As a general rule, speaking to a Chat Mortgages adviser around four to six months before your deal ends gives you the best chance of a smooth and timely switch.
Do I need a solicitor to remortgage?
If you’re switching to a new lender, yes.
Conveyancing is required to discharge the existing mortgage and register the new one. Many remortgage products include free legal work as standard, which means this cost is covered by the lender rather than coming out of your pocket. If you’re doing a product transfer with your existing lender, no legal work is typically required, making the process significantly simpler and faster.
What if my circumstances have changed since I originally took out my mortgage?
A new job, a change in income, additional financial commitments, or a change in credit profile, don’t prevent you from remortgaging, but they do affect your options. Lenders will carry out a fresh affordability assessment, so your current position is what matters rather than your original application. If your circumstances have improved, remortgaging may open up better products than were previously available to you. If things have become more complex, a product transfer with your existing lender, which may not require a full new assessment, could be the most practical short-term route. A Chat Mortgages adviser can assess your current position and identify the most suitable path forward.
Start your first time buyer remortgage moving home buy to let journey
Tell us about you and what you’re looking to do