{"id":4650,"date":"2023-03-24T16:39:29","date_gmt":"2023-03-24T16:39:29","guid":{"rendered":"https:\/\/profilecapital.co.uk\/?page_id=4650"},"modified":"2023-09-24T14:41:23","modified_gmt":"2023-09-24T14:41:23","slug":"first-time-buyers","status":"publish","type":"page","link":"https:\/\/profilecapital.co.uk\/?page_id=4650","title":{"rendered":"First Time Buyers"},"content":{"rendered":"<p>[vc_row css=&#8221;.vc_custom_1679679833291{margin-bottom: 50px !important;}&#8221;][vc_column]<div class=\"edgtf-section-title-holder  edgtf-st-standard edgtf-st-title-left edgtf-st-normal-space     \" style=\"text-align: center\">\n\t<div class=\"edgtf-st-inner\">\n\t\t            <div class=\"edgtf-st-title-holder\">\n                                    <span class=\"edgtf-st-title-line\" ><\/span>\n                                <h2 class=\"edgtf-st-title\" >\n                    <span class=\"edgtf-st-title-color\">First<\/span> <span class=\"edgtf-st-title-color\">time<\/span> buyers                <\/h2>\n            <\/div>\n\t\t\t\t            <div class=\"edgtf-st-text-holder\">\n                                <p class=\"edgtf-st-text\" >\n                    We Are Here to Serve                <\/p>\n            <\/div>\n\t\t\t<\/div>\n<\/div>[\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1692263602493{background-image: url(https:\/\/profilecapital.co.uk\/wp-content\/uploads\/2023\/08\/WhatsApp-Image-2023-07-21-at-14.51.27.jpeg?id=5055) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_empty_space height=&#8221;500px&#8221;][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1679680007037{margin-top: 100px !important;margin-right: 50px !important;margin-left: 50px !important;}&#8221;][vc_column width=&#8221;1\/3&#8243;]<div class=\"edgtf-iwt clearfix  edgtf-iwt-icon-left edgtf-iwt-icon-small\">\n\t<div class=\"edgtf-iwt-icon\">\n\t\t\t\t\t\t\t\t\t    <span class=\"edgtf-icon-animation-holder\" >\n    <span class=\"edgtf-icon-shortcode edgtf-normal  edgtf-icon-animation edgtf-icon-small\"  >\n                    <i class=\"edgtf-icon-dripicons dripicon dripicons-checklist edgtf-icon-element\" style=\"\" ><\/i>            <\/span>\n    <\/span>\n\t\t\t\t\t\t<\/div>\n\t<div class=\"edgtf-iwt-content\" >\n\t\t\t\t\t<h5 class=\"edgtf-iwt-title\" >\n\t\t\t\t\t\t\t\t<span class=\"edgtf-iwt-title-text\">What differences does the mortgage process have for first-time buyers?<\/span>\n\t\t\t\t\t\t\t<\/h5>\n\t\t\t\t\t\t\t<p class=\"edgtf-iwt-text\" >The mortgage process can be intimidating for a first-time buyer, but it is no different than for someone purchasing a second or third home. When it comes to buying a home, everyone has a different experience as some say it&#039;s the most stressful time of their lives, while others have no problems at all.<\/p>\n\t\t\t<\/div>\n<\/div>[\/vc_column][vc_column width=&#8221;1\/3&#8243;]<div class=\"edgtf-iwt clearfix  edgtf-iwt-icon-left edgtf-iwt-icon-medium\">\n\t<div class=\"edgtf-iwt-icon\">\n\t\t\t\t\t\t\t\t\t    <span class=\"edgtf-icon-shortcode edgtf-normal   edgtf-icon-medium\"  >\n                    <span aria-hidden=\"true\" class=\"edgtf-icon-font-elegant arrow_carrot-2right edgtf-icon-element\" style=\"\" ><\/span>            <\/span>\n\t\t\t\t\t\t<\/div>\n\t<div class=\"edgtf-iwt-content\" >\n\t\t\t\t\t<h5 class=\"edgtf-iwt-title\" >\n\t\t\t\t\t\t\t\t<span class=\"edgtf-iwt-title-text\">What is an Agreement in Principle?<\/span>\n\t\t\t\t\t\t\t<\/h5>\n\t\t\t\t\t\t\t<p class=\"edgtf-iwt-text\" >When referring to a &#039;Agreement in Principle&#039; it is the first step in the mortgage application process. It confirms the amount you can borrow based on your income and outgoings in comparison to the mortgage you need. It is still dependent on complete lender underwriting, but it is only the agreement before the full mortgage application is submitted.<\/p>\n\t\t\t<\/div>\n<\/div>[\/vc_column][vc_column width=&#8221;1\/3&#8243;]<div class=\"edgtf-iwt clearfix  edgtf-iwt-icon-left edgtf-iwt-icon-medium\">\n\t<div class=\"edgtf-iwt-icon\">\n\t\t\t\t\t\t\t\t\t    <span class=\"edgtf-icon-shortcode edgtf-normal   edgtf-icon-medium\"  >\n                    <i class=\"edgtf-icon-dripicons dripicon dripicons-align-center edgtf-icon-element\" style=\"\" ><\/i>            <\/span>\n\t\t\t\t\t\t<\/div>\n\t<div class=\"edgtf-iwt-content\" >\n\t\t\t\t\t<h5 class=\"edgtf-iwt-title\" >\n\t\t\t\t\t\t\t\t<span class=\"edgtf-iwt-title-text\">How much can First Time Buyers borrow?<\/span>\n\t\t\t\t\t\t\t<\/h5>\n\t\t\t\t\t\t\t<p class=\"edgtf-iwt-text\" >When it comes to referring to first time buying and how much they are able to borrow Individual circumstances vary, but &#039;Help to Buy&#039;, for example, will allow you to borrow up to 4.5 times your income, with some lenders allowing you to borrow up to 4.9 times your income. It is best to consult with a mortgage broker who will be able to assist you by incorporating your income, outgoings, purchase price, and loan to value ratio to evaluate how much you may borrow.<\/p>\n\t\t\t<\/div>\n<\/div>[\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1679680710950{margin-top: 100px !important;margin-right: 50px !important;margin-bottom: 100px !important;margin-left: 50px !important;background-color: #f7f7f7 !important;}&#8221;][vc_column][vc_empty_space height=&#8221;100&#8243;]<div class=\"edgtf-elements-holder   edgtf-one-column  edgtf-responsive-mode-768 \" ><div class=\"edgtf-eh-item    \"  data-item-class=\"edgtf-eh-custom-4446\">\n\t<div class=\"edgtf-eh-item-inner\">\n\t\t<div class=\"edgtf-eh-item-content edgtf-eh-custom-4446\" >\n\t\t\t<div class=\"edgtf-section-title-holder  edgtf-st-standard edgtf-st-title-left edgtf-st-normal-space     \" >\n\t<div class=\"edgtf-st-inner\">\n\t\t            <div class=\"edgtf-st-title-holder\">\n                                    <span class=\"edgtf-st-title-line\" ><\/span>\n                                <h3 class=\"edgtf-st-title\" >\n                    How do I know what my credit score is -<br \/>\nHow <span class=\"edgtf-st-title-color\">do<\/span> <span class=\"edgtf-st-title-color\">I<\/span> <span class=\"edgtf-st-title-color\">improve<\/span> <span class=\"edgtf-st-title-color\">it?<\/span>                <\/h3>\n            <\/div>\n\t\t\t\t            <div class=\"edgtf-st-text-holder\">\n                                <p class=\"edgtf-st-text\" >\n                    Knowing and improving your credit score is essential for obtaining a mortgage. A low score will limit the amount you can borrow, and late payments on bills or loans could raise concerns for lenders. Equifax and Experian offer free or trial services to check and improve your score.                <\/p>\n            <\/div>\n\t\t\t<\/div>\n<\/div><div class=\"edgtf-call-to-action-holder text-center edgtf-normal-layout  edgtf-three-quarters-columns\">\n\t<div class=\"edgtf-cta-inner \">\n\t\t<div class=\"edgtf-cta-text-holder\">\n\t\t\t<div class=\"edgtf-cta-text\"><\/div>\n\t\t<\/div>\n\t\t<div class=\"edgtf-cta-button-holder\" >\n\t\t\t<div class=\"edgtf-cta-button\"><a itemprop=\"url\" href=\"#\" target=\"_self\"  class=\"edgtf-btn edgtf-btn-medium edgtf-btn-outline\"  >    <span class=\"edgtf-btn-text\">Calculate your credit score<\/span>    <\/a><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\t\t<\/div>\n\t<\/div>\n<\/div><\/div>[\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row css=&#8221;.vc_custom_1679679833291{margin-bottom: 50px !important;}&#8221;][vc_column][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1692263602493{background-image: url(https:\/\/profilecapital.co.uk\/wp-content\/uploads\/2023\/08\/WhatsApp-Image-2023-07-21-at-14.51.27.jpeg?id=5055) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_empty_space height=&#8221;500px&#8221;][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1679680007037{margin-top: 100px !important;margin-right: 50px !important;margin-left: 50px !important;}&#8221;][vc_column width=&#8221;1\/3&#8243;][\/vc_column][vc_column width=&#8221;1\/3&#8243;][\/vc_column][vc_column width=&#8221;1\/3&#8243;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1679680710950{margin-top: 100px !important;margin-right: 50px !important;margin-bottom: 100px !important;margin-left: 50px !important;background-color: #f7f7f7 !important;}&#8221;][vc_column][vc_empty_space height=&#8221;100&#8243;][\/vc_column][\/vc_row]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":4623,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"full-width.php","meta":{"footnotes":""},"class_list":["post-4650","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/profilecapital.co.uk\/index.php?rest_route=\/wp\/v2\/pages\/4650","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/profilecapital.co.uk\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/profilecapital.co.uk\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/profilecapital.co.uk\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/profilecapital.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4650"}],"version-history":[{"count":50,"href":"https:\/\/profilecapital.co.uk\/index.php?rest_route=\/wp\/v2\/pages\/4650\/revisions"}],"predecessor-version":[{"id":5351,"href":"https:\/\/profilecapital.co.uk\/index.php?rest_route=\/wp\/v2\/pages\/4650\/revisions\/5351"}],"up":[{"embeddable":true,"href":"https:\/\/profilecapital.co.uk\/index.php?rest_route=\/wp\/v2\/pages\/4623"}],"wp:attachment":[{"href":"https:\/\/profilecapital.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4650"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}