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CROSBY MORTGAGE SOLUTIONS

A Friendly Face in the World of Finance ;-)


© 2017 Crosby Mortgage Solutions Limited

Crosby Mortgage Solutions Limited is a company registered in England - Company No 6457579.

0151 924 9312

Crosby Mortgage Solutions does not charge for an initial consultation meeting.  

A broker fee of £395 will be charged on application.


YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.


Crosby Mortgage Solutions Ltd is an appointed representative of First Complete Limited (First Complete) which is authorised and regulated by the Financial Conduct Authority.  

First Complete is only responsible for the service and quality of advice provided to you in relation to mortgages, protection insurance and general insurance products.  Any other service offered by Crosby Mortgage Solutions Ltd may not be the responsibility of First Complete and may also not be subject to regulation by the Financial Conduct Authority.

The Financial Conduct Authority does not regulate some forms of Buy to Let

First Time Buyers


Despite interest rates being at historic lows, first time buyers may still find it difficult to save enough money required for a deposit and the up front costs of purchasing a property.


The increases in property prices of recent years has added to the issue of affordability, but many lenders have recognised the needs of the first time buyer who is unable to bring equity from previously owned property to the party.


There are range of options available today for first time buyers and we would be delighted to advise on the most appropriate solution for your circumstances.

Gifting from family members and, in some cases, even inter familial loans are an increasingly common occurrence.   

When working with first time buyers we provide them with a budget spreadsheet that doesn’t simply cover the monthly costs of the mortgage, but all the other costs of buying your first home - both up- front costs such as solicitors fees and Stamp Duty and ongoing ones such as utilities and council tax.

Please note that with, effect from 22nd November 2017, first-time buyers will no longer be charged Stamp Duty on purchases valued at up to £300,000 and the Stamp Duty normally payable on a property valued between £300,000 and £500,000 will be reduced by £5,000.