First Time Buyer

First Time Buyer

In a fast moving market, we understand you need to be able to move swiftly and with confidence.

You could trawl the high street and the Internet to see which deals are suitable, you could even talk to a mortgage adviser at your local bank, but they will be restricted to selling you their own mortgage products. By using an impartial, independent broker, we can offer free, impartial advice to ensure that your needs are prioritised over the lenders’ profits.

As a first time buyer, we appreciate that you will have many questions that need answering. It’s not as simple as just finding a home; you will also want to know:

  • How much can I borrow?
  • What type of mortgage should I apply for?
  • How long will it take to secure a mortgage offer?
  • How much deposit will I need?
  • What’s the most efficient way to save for a deposit?
  • Are there any additional costs when buying a home?
  • Will I be accepted for a mortgage?
  • What is a Home Report?
  • What happens once my mortgage application is accepted?

As well as mainstream mortgages, we will also look at Guarantor mortgages and Shared Owner/Equity mortgages to give you a few other options. Once you have found a property you would like to buy, we will help you from start to finish, liaising with estate agents, solicitors, and surveyors as required and obtaining an Agreement In Principle (AIP) if needed.

  • Initial Consultation

    Before we can make a firm recommendation on a suitable mortgage, we will need to gather detailed information from you. We need to understand your financial circumstances to be able to offer you the best possible advice.

    You will need to gather details of your household income, expenditure, details of any loans, credit cards, as well as utility bills and also any regular outgoings such as season tickets or childcare costs.  You can find more on this in our ‘Mortgage Enquiry Form’.

    Bespoke individual services for each client is key to what we offer. After reviewing your details and documents, we will make recommendations based on the best possible choices for you.

    We will explain your options simply and clearly, and when you are ready to progress with your mortgage, we will work to make the experience as stress-free as possible.

  • Applying for a Mortgage

    Once we have submitted a mortgage application, we will keep you fully informed every step of the way. If you’re using for PJ as your estate agents and for your conveyancing you’ll find the transaction seamless. If not, the we will still liaise with your solicitors and estate agents, if relevant, to ensure the mortgage process is as smooth as possible for you.

  • Mortgage Protection

    It is important that you have sufficient protection insurance in place to cover your income, your mortgage and your home. Please Click here if you’d like to receive an income protection quote.

Free £250 Voucher

BoConcept Scotland are delighted to offer you £250 off your BoConcept order, when you use their Interior Design service.

To qualify all you need to do is arrange for Pacitti Jones to come out and value your property and you subsequently list your property for sale with Pacitti Jones. Simply scan the QR code on the voucher that Pacitti Jones send to you to register and validate your voucher and BoConcept will take care of the rest.

Contact Us

No minimum spend requirement however you will be required to book a free no obligation session with one of the BoConcept designers. Voucher only valid in the Glasgow, Tillicoultry and Edinburgh stores. Contact your local branch for further details.