Buyer Help and Advice

Back on the market … the mortgage deals to secure your dream new home

Did you know there is now a growing range of attractive mortgage deals available to help you secure your dream new Beal home?

Mortgage experts say a more stable housing market means buyers can have confidence that now is a good time to buy.

Whether you’re a first-time buyer looking to get onto the property ladder, or have been through the process before, finding the mortgage deal that’s best for you can be a daunting prospect.

That’s why we work with experienced and trusted independent financial advisors who can help you source the most suitable mortgage product. What’s more their expert services are free of charge.

Choosing a new home is exciting, but we also understand it can be daunting for some. We’ll support you every step of the way. Plus, we offer a range of options to make buying your new home more manageable.

Tailored mortgage advice with your best interests at heart

Financial advisor Richard Hall is the owner of Mortgage Hall and has more than 30 years’ experience in the industry.

Richard is passionate about providing free professional advice to his customers and will work hard to get the best deal for you. He’s helped hundreds of Beal buyers secure their perfect new home.

He said: “We’re now seeing a much more settled, stable housing market. Lenders are wanting to lend and there are very good offers out there.

“One trend we’re seeing increasingly is buyers taking out mortgages with longer terms. Younger first-time buyers, in particular, are opting for 40-year mortgages, which helps keep monthly repayments at a manageable level.

“There is no single option which is best – it’s all about the individual and their personal circumstances. We always provide tailored mortgage advice with your best interests at heart.”

Five per cent mortgages are back!

Recent months have seen the return of 5% deposit mortgages, with several lenders happy to offer products covering 95% of the purchase price, subject to certain requirements being met.

Halifax and Skipton Building Society are both offering to lend 95% to eligible buyers.

Increasing your deposit to 10% unlocks even more options from leading names, including Barclays and Leeds Building Society.

Mortgage expert Richard Hall pictured at The Greenways Home Exchange event
We work with experienced and trusted independent financial advisors who can help you source the most suitable mortgage product, including Richard Hall of Mortgage Hall, pictured at a recent Home Exchange event at The Greenways in Goole.

Variable vs fixed-term mortgages

When it comes to variable vs fixed-rate mortgages, there’s currently very little to separate the two.

For those seeking stability, fixed-rate mortgages offer security and confidence.

Those with greater flexibility may opt for a variable mortgage, hoping to reap the rewards should rates fall in future.

Current rates for variable and fixed are very similar and are expected to move even closer, so it’s up to you to decide which is best for your situation.

Why rent if you could buy?

With rents having become more expensive over time, it’s really important that people have a good look into how they can move from paying a landlord to investing in their own home.

Renting works for some people in transitional periods between home ownership and for those who aren’t quite ready to commit to buying their own home.

But, it’s generally accepted that owning your own home is the best investment you can make and puts you in control of your finances.

Richard said: “If you think you have the savings for a deposit, talk to us and we can look at what options are available to you.

“Sometimes people are surprised to find that they’re able to secure their own home.

“If you can get onto the property ladder, you’ll be investing in your own future, for the long term.”

The Beal sales team
Whether you’re looking to upsize to your next family home, get onto the property ladder, relocate or invest, we are here to help you make your move.

Here to help you make your move

At Beal, we have a number of options to help you make your move as smooth and stress-free as possible.

Our Smooth Move service helps you sell your current home using trusted estate agents, saving you money on estate agency fees, advertising and marketing costs.

Once you’ve chosen your new Beal home, we’ll arrange an independent valuation of your current property. Viewings will be arranged for you and we’ll negotiate the best price on your behalf. After you’ve accepted an offer, we’ll complete the reservation of your new home.

We also offer a Part Exchange scheme, so you can move into a new Beal home without the worry of finding a buyer for your old property. It’s quicker, simpler and there’s no chain or expensive estate agent fees.

If you’re a first-time buyer, our Launch Pad initiative offers up to £5,000 to spend on upgrades and extras, as well as up to £1,000 towards your stamp duty and legal fees.

Come and speak to our friendly sales team and discover how you can secure your perfect Beal home.

  • To explore Beal’s developments and house types, click here.
  • To find out more about Mortgage Hall, and the financial services it offers, visit
  • Mortgage advice is also available from RSC New Homes. For more information, go to