First Time Buyer Guide to buying your own home.
Elevate your move with our tailored Home Mover Mortgage for a smooth transition to your new dream home.
Refinance with our Home Owner Remortgage for better rates, releasing equity, or funding improvements—empowering your homeownership journey.
Dive into property investment with our Buy-to-Let Mortgage, tailored for both seasoned investors and first-timers seeking to build a profitable portfolio.
Transform your vacation home investment dreams into reality with a Holiday Let Mortgage,
Green Mortgages 🌳 are a new type of mortgage that rewards you for making your home more energy efficient.
Mortgages Adverse Credit Mortgages 📉 are for people with a poor credit history.
Cut NHS wait times with private medical care and private hospitals.
Pay off your mortgage if you or your partner die.
Navigate property transitions seamlessly with our Bridging Finance, offering quick and secure solutions for your short-term financial needs.
Secure your auction triumph with Auction Finance, providing the financial backing needed to confidently bid and acquire your desired property.
We love to assist first-time buyers in obtaining the keys to their first home. If you don't know where to start or what is required, give us a call for a free review and guidance.
Owning your first home is fun! Buying your first home can be stressful.
You don't have to figure it out by yourself. Our First Time Buyer Advisers will help you find the best mortgage deal, explain the different options and assist you in every stage of your homebuying journey.
A first-time buyer is someone who either has never owned a home or is not currently a homeowner. It's important to note that some mortgage schemes are exclusively available to those who have never owned a home before, or haven't owned one for a specific period of time.
Talk to us about your savings/guarantor, even if you're just starting to save.
You want to provide as much deposit as possible to reach the lower Loan-to-Value (LTV). If you have savings starting at 1% of the property value, we can help you, but you will pay higher mortgage rates than someone with savings of 5% of the property value.
We offer mortgages for First-Time Buyers—a 99% LTV and a 95% LTV. If you have your own savings, you may qualify for either of these mortgages. However You can still get a Lower Loan-to-Value Mortgage by using a Guarantor. A Guarantor is a parent or a loved one who owns their own home. They can help you by using their property as collateral for your mortgage.
Let's use our affordability calculator to determine your target property value range.
The maximum amount of mortgage that you can get relies on the income that you can demonstrate to a bank. This income can be generated from various sources such as PAYE income, self-employment income, and other forms of income including Universal Credit payments like Family Tax Credits.
Having existing credit commitments such as car loans, personal loans and credit cards can reduce the available mortgage amount.
We are your online mortgage broker, offering you the convenience of applying for a mortgage online. However, we understand that sometimes you may prefer to speak with a human - phone, email or in person.
31 Bradford Chamber Business Park,
New Lane, Bradford, BD4 8BX
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We are authorised and regulated by the Financial Conduct Authority (No. 919921). The FCA does not regulate most Buy to Let mortgages.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Cyborg Finance Limited is registered in England and Wales (No. 12131863) at Bradford Chamber, New Lane, Bradford, BD4 8BX