Think again - there are lots of ways in which you might be able to get on the property ladder. Certain lenders offer enhanced income multiples or 100% mortgages (no deposit required). Some lenders will also allow you to add the immediate costs of buying a house (e.g. legal costs and stamp duty) to the value of your mortgage. Or perhaps you could join together with a friend to afford your first home on a joint mortgage arrangement?

Our financial services advisers can agree a mortgage in principle for you to give you the confidence to look for a property to buy. You will then know how much you can afford and have a good idea of all the additional costs involved in buying your first home. We will guide you through the "maze" of mortgage products available and help you to understand the legal process.

Our experienced advisers will help you to work out all the costs involved in moving house and advise you on the current products available to you to purchase your next house.

Why pay too much for your mortgage? You can easily re-mortgage to a better rate and save money each month with very little cost to yourself. Many lenders offer "fees free" or fee assisted packages to encourage you to change your mortgage to a better rate with them. You could also consolidate any outstanding loans or credit cards to ease your monthly out-goings.

Jephson Mortgages are completely independent financial services advisers. This means they are not tied to any mortgage lender or bank and can give comprehensive advice, allowing you to make an informed choice and confidently proceed with choosing the right product for your needs. They ensure you have access to the most competitive loans and cost effective and tax efficient repayment methods available.

Your home is at risk if you fail to keep up payments on a mortgage or other loan secured on it. Written quotation available on request and subject to status.