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SELECT * FROM (SELECT * FROM wp_auto_internal_log WHERE INSTR(' <div data-elementor-type="wp-page" data-elementor-id="729" class="elementor elementor-729" data-elementor-post-type="page"> <section class="elementor-section elementor-top-section elementor-element elementor-element-df4ba91 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="df4ba91" data-element_type="section" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-background-overlay"></div> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-bd281cd" data-id="bd281cd" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-5818d59 elementor-widget elementor-widget-heading" data-id="5818d59" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">Teacher Mortgage First Time Buyer</h1> </div> </div> <div class="elementor-element elementor-element-df013f1 elementor-widget elementor-widget-text-editor" data-id="df013f1" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>The Essential guide to a Teacher Mortgage as a First Time Buyer.</p> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-dddeee2" data-id="dddeee2" data-element_type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-da39d98 elementor-button-align-stretch elementor-widget elementor-widget-global elementor-global-190 elementor-widget-form" data-id="da39d98" data-element_type="widget" data-settings="{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}" data-widget_type="form.default"> <div class="elementor-widget-container"> <form class="elementor-form" method="post" name="New Form"> <input type="hidden" name="post_id" value="729"/> <input type="hidden" name="form_id" value="da39d98"/> <input type="hidden" name="referer_title" value="Teacher Mortgage First Time Buyer - Albion Forest Mortgages" /> <input type="hidden" name="queried_id" value="729"/> <div class="elementor-form-fields-wrapper elementor-labels-above"> <div class="elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100 elementor-field-required elementor-mark-required"> <label for="form-field-name" class="elementor-field-label"> Name </label> <input size="1" type="text" name="form_fields[name]" id="form-field-name" class="elementor-field elementor-size-sm elementor-field-textual" required="required" aria-required="true"> </div> <div class="elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required elementor-mark-required"> <label for="form-field-email" class="elementor-field-label"> Email </label> <input size="1" type="email" name="form_fields[email]" id="form-field-email" class="elementor-field elementor-size-sm elementor-field-textual" required="required" aria-required="true"> </div> <div class="elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_1 elementor-col-100 elementor-field-required elementor-mark-required"> <label for="form-field-field_1" class="elementor-field-label"> Phone </label> <input size="1" type="text" name="form_fields[field_1]" id="form-field-field_1" class="elementor-field elementor-size-sm elementor-field-textual" required="required" aria-required="true"> </div> <div class="elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-field_51fb3e8 elementor-col-100"> <label for="form-field-field_51fb3e8" class="elementor-field-label"> Message </label> <textarea class="elementor-field-textual elementor-field elementor-size-sm" name="form_fields[field_51fb3e8]" id="form-field-field_51fb3e8" rows="4"></textarea> </div> <div class="elementor-field-type-recaptcha_v3 elementor-field-group elementor-column elementor-field-group-field_dc01947 elementor-col-100 recaptcha_v3-bottomleft"> <div class="elementor-field" id="form-field-field_dc01947"><div class="elementor-g-recaptcha" data-sitekey="6Ld2DHUgAAAAAMVXotSao5BofcLHiMLSK74xykwz" data-type="v3" data-action="Form" data-badge="bottomleft" data-size="invisible"></div></div> </div> <div class="elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons"> <button type="submit" class="elementor-button elementor-size-sm"> <span > <span class=" elementor-button-icon"> </span> <span class="elementor-button-text">Let's Get Started</span> </span> </button> </div> </div> </form> </div> </div> <div class="elementor-element elementor-element-ab412c9 elementor-widget elementor-widget-global elementor-global-194 elementor-widget-heading" data-id="ab412c9" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <p class="elementor-heading-title elementor-size-default">You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us or one of our trusted partners to discuss your mortgage requirements</p> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-eb00227 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="eb00227" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ef95f03" data-id="ef95f03" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-64e6e47 elementor-widget elementor-widget-text-editor" data-id="64e6e47" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400">Can I get a Teacher Mortgage as a First Time Buyer?</span></h2><p><span style="font-weight: 400">Absolutely! At Albion Forest Mortgages we specialise in getting a Teacher Mortgage for a First Time Buyer. </span><span style="font-weight: 400">As a First Time Buyer getting a Mortgage can be a bit daunting. However it doesn’t need to be a stressful experience. </span></p><p><span style="font-weight: 400">First Time Buyers usually need a higher loan to value, by this we mean they have a lower deposit. This can limit your options on its own, but being a Teacher or <a href="https://albionforest.co.uk/teacher-mortgage/teaching-assistant-mortgage/">Teaching Assistant</a> may complicate it further.</span></p> </div> </div> <div class="elementor-element elementor-element-de09b35 elementor-align-center elementor-widget elementor-widget-button" data-id="de09b35" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://albionforest.co.uk/contact/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Get in Touch</span> </span> </a> </div> </div> </div> <div class="elementor-element elementor-element-7ae5c8b heading-wrap-space elementor-widget elementor-widget-text-editor" data-id="7ae5c8b" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400">Are there special home loans for teachers?</span></h2><p><span style="font-weight: 400">Yes! There are <a href="https://advisersassemble.co.uk/albionforest/teacher-mortgage/mortgage-deals-for-teachers/" target="_blank" rel="noopener">specialist products</a> and <a href="https://albionforest.co.uk/teacher-mortgage/teachers-building-society-mortgage/">lenders</a> for Teachers. It may not always be the best solution to use one though, and you might get a better rate with another lender. </span></p><p><span style="font-weight: 400">Sometimes a lender that is a specialist may not have the best rate, or may have higher fees than another lender. It’s best to speak to a specialist to find out your options.</span></p><h2><span style="font-weight: 400">Can you get a mortgage as an NQT?</span></h2><p><span style="font-weight: 400">Yes you can. Being a</span><a href="https://albionforest.co.uk/nqt-mortgage/"> <span style="font-weight: 400">Newly Qualified Teacher</span></a><span style="font-weight: 400"> and First Time Buyer you may find it difficult to get a mortgage. </span></p><p><span style="font-weight: 400">You can even potentially get a mortgage as a First time buyer before you have started your new job. Some lenders can appreciate that you may want to move closer to the School you are starting at before you start.</span></p><h2><span style="font-weight: 400">Can I get a teacher mortgage for a first time buyer with Bad Credit?</span></h2><p><span style="font-weight: 400">Yes, you can!</span><a href="https://albionforest.co.uk/teacher-mortgage/mortgages-for-teachers-with-bad-credit/"> <span style="font-weight: 400">Bad Credit</span></a><span style="font-weight: 400"> can seem like a stumbling block but there may be specialist lenders and products perfect for your situation. Depending on how much your Bad Credit was for, how long ago it was, and even what it was for makes a big difference to what mortgage you can get. We recommend checking your credit file regularly, we use</span><a href="https://www.checkmyfile.com/?ref=markrobinson13&amp;cbap=1" target="_blank" rel="noopener"> <span style="font-weight: 400">Checkmyfile</span></a><span style="font-weight: 400"> for this.</span></p><h2><span style="font-weight: 400">I’m a supply teacher, can I get a Teacher Mortgage for First Time Buyer?</span></h2><p><span style="font-weight: 400">Yes, being a</span><a href="https://albionforest.co.uk/teacher-mortgage/supply-teacher-mortgage/"> <span style="font-weight: 400">Supply Teacher</span></a><span style="font-weight: 400"> can make your application more complicated, and adding in that you are a First Time Buyer makes it harder. However you certainly have options, some lenders understand your income and what you do better than others. </span></p><h2><span style="font-weight: 400">I’m newly qualified and a First time buyer, can I get a Teacher Mortgage?</span></h2><p><span style="font-weight: 400">Absolutely. We specialise in NQTs and get them their homes. Between being a First Time buyer and an NQT you may find it more challenging to get a mortgage. However there are options available to you that may help you to get on the property ladder.</span></p><h2><span style="font-weight: 400">What types of Mortgage are there for a Teacher Mortgage First Time Buyer?</span></h2><h3><span style="font-weight: 400">Popular mortgage types</span></h3><h3><span style="font-weight: 400">Fixed rate mortgages</span></h3><p><span style="font-weight: 400">Fixed rate mortgages are probably the most common. They are set at a fixed rate of interest for a fixed amount of time. Therefore this appeals to most people as they like to know what their outgoings will be each month. They often have early repayment charges if you try and redeem the mortgage before the end of the fixed rate.</span></p><h3><span style="font-weight: 400">Tracker rate mortgages</span></h3><p><span style="font-weight: 400">This type of mortgage generally tracks the Bank Of England base rate, so as that rises and falls so do your monthly repayments. They can also have a cap or collar meaning they won’t go above or below certain rates. Tracker mortgages often won’t have any early repayment penalties which can therefore make them quite flexible.</span></p><h3><span style="font-weight: 400">Variable rate mortgages</span></h3><p><span style="font-weight: 400">These work in a similar way to a tracker mortgage and will go up and down depending on the lender. The Lender sets the variable rate, so it can change over time. Often you may get a discount on the variable so it will sit just under the variable rate. As with Tracker mortgages you often do not have early redemption penalties on this type of mortgage and therefore can make changes more easily when needed.</span></p><h2><span style="font-weight: 400">Are there any schemes available for a Teacher Mortgage First Time Buyer?</span></h2><p>You have a few options for <a href="https://albionforest.co.uk/teacher-mortgage/teachers-mortgage-scheme/">Teacher mortgage schemes</a> for First time buyers:</p><h3><span style="font-weight: 400">Shared Ownership</span></h3><p><span style="font-weight: 400">The shared ownership scheme has been around for decades. Essentially it allows you to part buy, part rent your home. This therefore makes this scheme quite good for first time buyers as it allows you to get on the property ladder with a smaller deposit. It’s a perfect scheme for anyone to get their first homes with a low income or low deposit.</span></p><h3><span style="font-weight: 400">Right to Buy</span></h3><p><span style="font-weight: 400">This scheme is available for council tenants to buy their home off the Local Authority at a discount therefore you can get on the property ladder with little or no deposit potentially. If you think you may be eligible for this scheme it may be best to speak to your Local authority to check.</span></p><h3><span style="font-weight: 400">Help to Buy</span></h3><p><span style="font-weight: 400">The government</span><a href="https://www.helptobuy.gov.uk/" target="_blank" rel="noopener"> <span style="font-weight: 400">help to buy scheme</span></a><span style="font-weight: 400"> is available on eligible New Build properties. This scheme offers a 20% loan (40% in London) allowing you to put down a 5% deposit and a 75% mortgage which usually means you can get a better rate and therefore have lower payments.</span></p><h3><span style="font-weight: 400">First Homes</span></h3><p><span style="font-weight: 400">The First Homes Scheme hasn’t been released yet. However we know it will be a minimum of a 30% discount on eligible New Build properties. The scheme will be for First Time buyers and Key Workers so is a perfect fit for those wanting a teacher mortgage as a first time buyer.</span></p><h3> </h3> </div> </div> <div class="elementor-element elementor-element-3de2482 elementor-widget elementor-widget-image" data-id="3de2482" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="534" src="https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-arthur-krijgsman-4019754-scaled-1-1024x684.jpg" class="attachment-large size-large wp-image-1119" alt="Teacher Mortgage First time buyer" srcset="https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-arthur-krijgsman-4019754-scaled-1-1024x684.jpg 1024w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-arthur-krijgsman-4019754-scaled-1-300x200.jpg 300w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-arthur-krijgsman-4019754-scaled-1-768x513.jpg 768w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-arthur-krijgsman-4019754-scaled-1-1536x1025.jpg 1536w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-arthur-krijgsman-4019754-scaled-1-2048x1367.jpg 2048w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-18f5f01 elementor-widget elementor-widget-text-editor" data-id="18f5f01" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h3><b>Got a question on Teacher Mortgage as a First Time Buyer that we haven&#8217;t answered? 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If not, get in touch!</b></h3> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a554568" data-id="a554568" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-a156e3d elementor-widget elementor-widget-template" data-id="a156e3d" data-element_type="widget" data-widget_type="template.default"> <div class="elementor-widget-container"> <div class="elementor-template"> <div data-elementor-type="section" data-elementor-id="970" class="elementor elementor-970" data-elementor-post-type="elementor_library"> <section class="elementor-section elementor-top-section elementor-element elementor-element-f3f5a50 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="f3f5a50" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div 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src="data:image/svg+xml;base64,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/> <a href="https://zencastr.com/embed/BZuDVgDb" target="_blank" style="color: white; position: absolute; bottom: 12px; left: 50%; transform: translateX(-50%); text-decoration: none;" rel="noopener"> View on Zencastr </a></blockquote><script type="text/javascript" src="https://zencastr.com/static/js/embed-player.js"></script></center> </div> </div> <div class="elementor-element elementor-element-238a089 elementor-widget elementor-widget-image" data-id="238a089" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="601" height="1024" src="https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1.png" class="attachment-large size-large wp-image-7070" alt="" srcset="https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1.png 601w, https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1-176x300.png 176w" sizes="(max-width: 601px) 100vw, 601px" /> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-32c9a2a4 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="32c9a2a4" data-element_type="section"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-19e6d14e" data-id="19e6d14e" data-element_type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-417f5438 elementor-widget elementor-widget-heading" data-id="417f5438" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">Useful Links</h3> </div> </div> <div class="elementor-element elementor-element-6d5fcea5 footer-icon elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="6d5fcea5" data-element_type="widget" data-widget_type="icon-list.default"> <div class="elementor-widget-container"> <ul class="elementor-icon-list-items"> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Main Teachers Page</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/supply-teacher-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Supply Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/nqt-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">NQT Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/mortgages-for-teachers-with-bad-credit/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Bad Credit for Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/teacher-mortgage-first-time-buyer/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">First Time Buyer Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/mortgages-for-retired-teachers/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Retired Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/trainee-teacher-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Trainee Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/teachers-mortgage-scheme/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Teachers Mortgage Scheme</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/teaching-assistant-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Teaching Assistant Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/mortgage-deals-for-teachers/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Mortgage Deals for Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/teachers-building-society-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Teachers Building Society Mortgage</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/mortgage-help-for-teachers/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Mortgage Help For Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/teachers-life-insurance/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Teachers Life Insurance</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/mortgage-broker-for-teachers/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Mortgage Broker for Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/teacher-mortgages-faq/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Teacher Mortgages FAQ</span> </a> </li> </ul> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-2f713747 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="2f713747" data-element_type="section"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-77fe33ee" data-id="77fe33ee" data-element_type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-2c486d58 elementor-widget elementor-widget-heading" data-id="2c486d58" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">Why Albion Forest?</h3> </div> </div> <div class="elementor-element elementor-element-340c2d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="340c2d" data-element_type="widget" data-widget_type="icon-list.default"> <div class="elementor-widget-container"> <ul class="elementor-icon-list-items"> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-shield-alt"></i> </span> <span class="elementor-icon-list-text">Raising The standards of financial advice</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-network-wired"></i> </span> <span class="elementor-icon-list-text">Making financial advice accessible to all</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="far fa-handshake"></i> </span> <span class="elementor-icon-list-text">Trusted &amp; stress-free financial advice</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-hand-holding-heart"></i> </span> <span class="elementor-icon-list-text">Friendly, personable advisors</span> </li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-525b7a5 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="525b7a5" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7e1d19b" data-id="7e1d19b" data-element_type="column"> <div class="elementor-widget-wrap"> </div> </div> </div> </section> </div> ', keyword) > 0 UNION ALL SELECT * FROM wp_auto_internal_links WHERE INSTR(' <div data-elementor-type="wp-page" data-elementor-id="729" class="elementor elementor-729" data-elementor-post-type="page"> <section class="elementor-section elementor-top-section elementor-element elementor-element-df4ba91 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="df4ba91" data-element_type="section" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-background-overlay"></div> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-bd281cd" data-id="bd281cd" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-5818d59 elementor-widget elementor-widget-heading" data-id="5818d59" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">Teacher Mortgage First Time Buyer</h1> </div> </div> <div class="elementor-element elementor-element-df013f1 elementor-widget elementor-widget-text-editor" data-id="df013f1" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>The Essential guide to a Teacher Mortgage as a First Time Buyer.</p> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-dddeee2" data-id="dddeee2" data-element_type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-da39d98 elementor-button-align-stretch elementor-widget elementor-widget-global elementor-global-190 elementor-widget-form" data-id="da39d98" data-element_type="widget" data-settings="{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}" data-widget_type="form.default"> <div class="elementor-widget-container"> <form class="elementor-form" method="post" name="New Form"> <input type="hidden" name="post_id" value="729"/> <input type="hidden" name="form_id" value="da39d98"/> <input type="hidden" name="referer_title" value="Teacher Mortgage First Time Buyer - Albion Forest Mortgages" /> <input type="hidden" name="queried_id" value="729"/> <div class="elementor-form-fields-wrapper elementor-labels-above"> <div class="elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100 elementor-field-required elementor-mark-required"> <label for="form-field-name" class="elementor-field-label"> Name </label> <input size="1" type="text" name="form_fields[name]" id="form-field-name" class="elementor-field elementor-size-sm elementor-field-textual" required="required" aria-required="true"> </div> <div class="elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required elementor-mark-required"> <label for="form-field-email" class="elementor-field-label"> Email </label> <input size="1" type="email" name="form_fields[email]" id="form-field-email" class="elementor-field elementor-size-sm elementor-field-textual" required="required" aria-required="true"> </div> <div class="elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_1 elementor-col-100 elementor-field-required elementor-mark-required"> <label for="form-field-field_1" class="elementor-field-label"> Phone </label> <input size="1" type="text" name="form_fields[field_1]" id="form-field-field_1" class="elementor-field elementor-size-sm elementor-field-textual" required="required" aria-required="true"> </div> <div class="elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-field_51fb3e8 elementor-col-100"> <label for="form-field-field_51fb3e8" class="elementor-field-label"> Message </label> <textarea class="elementor-field-textual elementor-field elementor-size-sm" name="form_fields[field_51fb3e8]" id="form-field-field_51fb3e8" rows="4"></textarea> </div> <div class="elementor-field-type-recaptcha_v3 elementor-field-group elementor-column elementor-field-group-field_dc01947 elementor-col-100 recaptcha_v3-bottomleft"> <div class="elementor-field" id="form-field-field_dc01947"><div class="elementor-g-recaptcha" data-sitekey="6Ld2DHUgAAAAAMVXotSao5BofcLHiMLSK74xykwz" data-type="v3" data-action="Form" data-badge="bottomleft" data-size="invisible"></div></div> </div> <div class="elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons"> <button type="submit" class="elementor-button elementor-size-sm"> <span > <span class=" elementor-button-icon"> </span> <span class="elementor-button-text">Let's Get Started</span> </span> </button> </div> </div> </form> </div> </div> <div class="elementor-element elementor-element-ab412c9 elementor-widget elementor-widget-global elementor-global-194 elementor-widget-heading" data-id="ab412c9" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <p class="elementor-heading-title elementor-size-default">You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us or one of our trusted partners to discuss your mortgage requirements</p> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-eb00227 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="eb00227" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ef95f03" data-id="ef95f03" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-64e6e47 elementor-widget elementor-widget-text-editor" data-id="64e6e47" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400">Can I get a Teacher Mortgage as a First Time Buyer?</span></h2><p><span style="font-weight: 400">Absolutely! At Albion Forest Mortgages we specialise in getting a Teacher Mortgage for a First Time Buyer. </span><span style="font-weight: 400">As a First Time Buyer getting a Mortgage can be a bit daunting. However it doesn’t need to be a stressful experience. </span></p><p><span style="font-weight: 400">First Time Buyers usually need a higher loan to value, by this we mean they have a lower deposit. This can limit your options on its own, but being a Teacher or <a href="https://albionforest.co.uk/teacher-mortgage/teaching-assistant-mortgage/">Teaching Assistant</a> may complicate it further.</span></p> </div> </div> <div class="elementor-element elementor-element-de09b35 elementor-align-center elementor-widget elementor-widget-button" data-id="de09b35" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="https://albionforest.co.uk/contact/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Get in Touch</span> </span> </a> </div> </div> </div> <div class="elementor-element elementor-element-7ae5c8b heading-wrap-space elementor-widget elementor-widget-text-editor" data-id="7ae5c8b" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400">Are there special home loans for teachers?</span></h2><p><span style="font-weight: 400">Yes! There are <a href="https://advisersassemble.co.uk/albionforest/teacher-mortgage/mortgage-deals-for-teachers/" target="_blank" rel="noopener">specialist products</a> and <a href="https://albionforest.co.uk/teacher-mortgage/teachers-building-society-mortgage/">lenders</a> for Teachers. It may not always be the best solution to use one though, and you might get a better rate with another lender. </span></p><p><span style="font-weight: 400">Sometimes a lender that is a specialist may not have the best rate, or may have higher fees than another lender. It’s best to speak to a specialist to find out your options.</span></p><h2><span style="font-weight: 400">Can you get a mortgage as an NQT?</span></h2><p><span style="font-weight: 400">Yes you can. Being a</span><a href="https://albionforest.co.uk/nqt-mortgage/"> <span style="font-weight: 400">Newly Qualified Teacher</span></a><span style="font-weight: 400"> and First Time Buyer you may find it difficult to get a mortgage. </span></p><p><span style="font-weight: 400">You can even potentially get a mortgage as a First time buyer before you have started your new job. Some lenders can appreciate that you may want to move closer to the School you are starting at before you start.</span></p><h2><span style="font-weight: 400">Can I get a teacher mortgage for a first time buyer with Bad Credit?</span></h2><p><span style="font-weight: 400">Yes, you can!</span><a href="https://albionforest.co.uk/teacher-mortgage/mortgages-for-teachers-with-bad-credit/"> <span style="font-weight: 400">Bad Credit</span></a><span style="font-weight: 400"> can seem like a stumbling block but there may be specialist lenders and products perfect for your situation. Depending on how much your Bad Credit was for, how long ago it was, and even what it was for makes a big difference to what mortgage you can get. We recommend checking your credit file regularly, we use</span><a href="https://www.checkmyfile.com/?ref=markrobinson13&amp;cbap=1" target="_blank" rel="noopener"> <span style="font-weight: 400">Checkmyfile</span></a><span style="font-weight: 400"> for this.</span></p><h2><span style="font-weight: 400">I’m a supply teacher, can I get a Teacher Mortgage for First Time Buyer?</span></h2><p><span style="font-weight: 400">Yes, being a</span><a href="https://albionforest.co.uk/teacher-mortgage/supply-teacher-mortgage/"> <span style="font-weight: 400">Supply Teacher</span></a><span style="font-weight: 400"> can make your application more complicated, and adding in that you are a First Time Buyer makes it harder. However you certainly have options, some lenders understand your income and what you do better than others. </span></p><h2><span style="font-weight: 400">I’m newly qualified and a First time buyer, can I get a Teacher Mortgage?</span></h2><p><span style="font-weight: 400">Absolutely. We specialise in NQTs and get them their homes. Between being a First Time buyer and an NQT you may find it more challenging to get a mortgage. However there are options available to you that may help you to get on the property ladder.</span></p><h2><span style="font-weight: 400">What types of Mortgage are there for a Teacher Mortgage First Time Buyer?</span></h2><h3><span style="font-weight: 400">Popular mortgage types</span></h3><h3><span style="font-weight: 400">Fixed rate mortgages</span></h3><p><span style="font-weight: 400">Fixed rate mortgages are probably the most common. They are set at a fixed rate of interest for a fixed amount of time. Therefore this appeals to most people as they like to know what their outgoings will be each month. They often have early repayment charges if you try and redeem the mortgage before the end of the fixed rate.</span></p><h3><span style="font-weight: 400">Tracker rate mortgages</span></h3><p><span style="font-weight: 400">This type of mortgage generally tracks the Bank Of England base rate, so as that rises and falls so do your monthly repayments. They can also have a cap or collar meaning they won’t go above or below certain rates. Tracker mortgages often won’t have any early repayment penalties which can therefore make them quite flexible.</span></p><h3><span style="font-weight: 400">Variable rate mortgages</span></h3><p><span style="font-weight: 400">These work in a similar way to a tracker mortgage and will go up and down depending on the lender. The Lender sets the variable rate, so it can change over time. Often you may get a discount on the variable so it will sit just under the variable rate. As with Tracker mortgages you often do not have early redemption penalties on this type of mortgage and therefore can make changes more easily when needed.</span></p><h2><span style="font-weight: 400">Are there any schemes available for a Teacher Mortgage First Time Buyer?</span></h2><p>You have a few options for <a href="https://albionforest.co.uk/teacher-mortgage/teachers-mortgage-scheme/">Teacher mortgage schemes</a> for First time buyers:</p><h3><span style="font-weight: 400">Shared Ownership</span></h3><p><span style="font-weight: 400">The shared ownership scheme has been around for decades. Essentially it allows you to part buy, part rent your home. This therefore makes this scheme quite good for first time buyers as it allows you to get on the property ladder with a smaller deposit. It’s a perfect scheme for anyone to get their first homes with a low income or low deposit.</span></p><h3><span style="font-weight: 400">Right to Buy</span></h3><p><span style="font-weight: 400">This scheme is available for council tenants to buy their home off the Local Authority at a discount therefore you can get on the property ladder with little or no deposit potentially. If you think you may be eligible for this scheme it may be best to speak to your Local authority to check.</span></p><h3><span style="font-weight: 400">Help to Buy</span></h3><p><span style="font-weight: 400">The government</span><a href="https://www.helptobuy.gov.uk/" target="_blank" rel="noopener"> <span style="font-weight: 400">help to buy scheme</span></a><span style="font-weight: 400"> is available on eligible New Build properties. This scheme offers a 20% loan (40% in London) allowing you to put down a 5% deposit and a 75% mortgage which usually means you can get a better rate and therefore have lower payments.</span></p><h3><span style="font-weight: 400">First Homes</span></h3><p><span style="font-weight: 400">The First Homes Scheme hasn’t been released yet. However we know it will be a minimum of a 30% discount on eligible New Build properties. The scheme will be for First Time buyers and Key Workers so is a perfect fit for those wanting a teacher mortgage as a first time buyer.</span></p><h3> </h3> </div> </div> <div class="elementor-element elementor-element-3de2482 elementor-widget elementor-widget-image" data-id="3de2482" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="534" src="https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-arthur-krijgsman-4019754-scaled-1-1024x684.jpg" class="attachment-large size-large wp-image-1119" alt="Teacher Mortgage First time buyer" srcset="https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-arthur-krijgsman-4019754-scaled-1-1024x684.jpg 1024w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-arthur-krijgsman-4019754-scaled-1-300x200.jpg 300w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-arthur-krijgsman-4019754-scaled-1-768x513.jpg 768w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-arthur-krijgsman-4019754-scaled-1-1536x1025.jpg 1536w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-arthur-krijgsman-4019754-scaled-1-2048x1367.jpg 2048w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-18f5f01 elementor-widget elementor-widget-text-editor" data-id="18f5f01" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h3><b>Got a question on Teacher Mortgage as a First Time Buyer that we haven&#8217;t answered? 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If not, get in touch!</b></h3> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a554568" data-id="a554568" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-a156e3d elementor-widget elementor-widget-template" data-id="a156e3d" data-element_type="widget" data-widget_type="template.default"> <div class="elementor-widget-container"> <div class="elementor-template"> <div data-elementor-type="section" data-elementor-id="970" class="elementor elementor-970" data-elementor-post-type="elementor_library"> <section class="elementor-section elementor-top-section elementor-element elementor-element-f3f5a50 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="f3f5a50" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e7b2309" data-id="e7b2309" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-d4d799a elementor-widget elementor-widget-global elementor-global-7981 elementor-widget-heading" data-id="d4d799a" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h5 class="elementor-heading-title elementor-size-default"><a href="https://g.page/r/CaUlvgKsZeoBEB0/review" target="_blank">Google Reviews - See More</a></h5> </div> </div> <div class="elementor-element elementor-element-9ed34e4 elementor-widget elementor-widget-html" data-id="9ed34e4" data-element_type="widget" data-widget_type="html.default"> <div class="elementor-widget-container"> <script src="https://apps.elfsight.com/p/platform.js" defer></script> <div 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src="data:image/svg+xml;base64,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/> <a href="https://zencastr.com/embed/BZuDVgDb" target="_blank" style="color: white; position: absolute; bottom: 12px; left: 50%; transform: translateX(-50%); text-decoration: none;" rel="noopener"> View on Zencastr </a></blockquote><script type="text/javascript" src="https://zencastr.com/static/js/embed-player.js"></script></center> </div> </div> <div class="elementor-element elementor-element-238a089 elementor-widget elementor-widget-image" data-id="238a089" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="601" height="1024" src="https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1.png" class="attachment-large size-large wp-image-7070" alt="" srcset="https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1.png 601w, https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1-176x300.png 176w" sizes="(max-width: 601px) 100vw, 601px" /> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-32c9a2a4 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="32c9a2a4" data-element_type="section"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-19e6d14e" data-id="19e6d14e" data-element_type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-417f5438 elementor-widget elementor-widget-heading" data-id="417f5438" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">Useful Links</h3> </div> </div> <div class="elementor-element elementor-element-6d5fcea5 footer-icon elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="6d5fcea5" data-element_type="widget" data-widget_type="icon-list.default"> <div class="elementor-widget-container"> <ul class="elementor-icon-list-items"> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Main Teachers Page</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/supply-teacher-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Supply Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/nqt-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">NQT Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/mortgages-for-teachers-with-bad-credit/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Bad Credit for Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/teacher-mortgage-first-time-buyer/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">First Time Buyer Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/mortgages-for-retired-teachers/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Retired Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/trainee-teacher-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Trainee Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/teachers-mortgage-scheme/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Teachers Mortgage Scheme</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/teaching-assistant-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Teaching Assistant Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/mortgage-deals-for-teachers/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Mortgage Deals for Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/teachers-building-society-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Teachers Building Society Mortgage</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/mortgage-help-for-teachers/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Mortgage Help For Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/teachers-life-insurance/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Teachers Life Insurance</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/mortgage-broker-for-teachers/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Mortgage Broker for Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/teacher-mortgages-faq/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Teacher Mortgages FAQ</span> </a> </li> </ul> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-2f713747 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="2f713747" data-element_type="section"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-77fe33ee" data-id="77fe33ee" data-element_type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-2c486d58 elementor-widget elementor-widget-heading" data-id="2c486d58" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">Why Albion Forest?</h3> </div> </div> <div class="elementor-element elementor-element-340c2d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="340c2d" data-element_type="widget" data-widget_type="icon-list.default"> <div class="elementor-widget-container"> <ul class="elementor-icon-list-items"> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-shield-alt"></i> </span> <span class="elementor-icon-list-text">Raising The standards of financial advice</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-network-wired"></i> </span> <span class="elementor-icon-list-text">Making financial advice accessible to all</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="far fa-handshake"></i> </span> <span class="elementor-icon-list-text">Trusted &amp; stress-free financial advice</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-hand-holding-heart"></i> </span> <span class="elementor-icon-list-text">Friendly, personable advisors</span> </li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-525b7a5 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="525b7a5" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7e1d19b" data-id="7e1d19b" data-element_type="column"> <div class="elementor-widget-wrap"> </div> </div> </div> </section> </div> ', keyword) > 0) AS 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