We are independent financial advisers specializing in mortgages, protection and insurance services. The core team of the firm brings together a combined working experience for more than 35 years in banking and financial services industry globally having catered to retail clients.
Whether you are a First Time Buyer, looking to Move Homes, seeking a Remortgage or Buy To Let options, we help you find the right mortgage for your budget, unique circumstances and needs while providing expert unbiased advice and guidance through the process.
Prism serves as a Mortgage Brokers for First Time Buyers who have never owned a residential home of their own, however, this excludes ownership of Commercial properties. One of the first boxes that needs, to be ticked by a first-time buyer is the amount of deposit they are going to put down, as this will establish the amount of borrowing required from a mortgage lender. Our Mortgage Advisors will help you find the best Mortgages for your needs! Contact Us and get the best Mortgage Deals.
The loan to value popularly known as LTV varies from lender-to-lender and hinges on the amount of deposit the borrower is willing to put down. The higher the deposit, the more options there are available, in terms of interest rates.
As part of the First-time buyer mortgage application process, the mortgage lender will look at several aspects pertaining to the applicant and the property including affordability criteria credit history, property valuation and conveyancing. Once satisfied the lender would make an offer and if successful this would proceed to completion.
Conveyancing is not regulated by the FCA.
It is difficult to choose the right mortgage with thousands of different options available and each lender having different requirements and criteria, we provide you with different options to make sure you can still afford your monthly mortgage payments in case rates start to increase.
Prism serves as a Mortgage Brokers for First Time Buyers who have never owned a residential home of their own, however this excludes ownership of Commercial properties.
