Initial enquiries can be dealt with immediately by telephone and followed up with a house call at your convenience. The whole process of managing your application is provided free of charge. For first time buyers, purchasing a home can be a daunting experience especially when it comes to raising the finances for deposits and fees. Unfortunately 100% mortgages are few and far between at the moment so other avenues need to be explored to obtain the mortgage you require. One of these options is becoming more and more popular whereby a parent or relative either applies along with the applicant or provides a guarantee. At K R Mortgages we will be able to provide you with information on all the options available to you and the most suitable.