STEP 1
Get prepared
Work out where you are now: your deposit, your budget and the home you want. An initial chat can help you understand your next steps.
Find your starting point →YOUR HOME. YOUR PACE.
A home of your own.
A clearer way
to get there.
From “where do I start?” to “we’ve got the keys”. Understand your options, feel prepared and take your next step with confidence.
what comes next.
WHEREVER YOU ARE RIGHT NOW
01 / GETTING STARTED
“Could I buy my first home?”
Make sense of deposits, budgets and your options.
First-time buyers →02 / MAKING SENSE OF THE NUMBERS“What could a mortgage look like?”
Explore simple borrowing and repayment illustrations.
Try the calculators →03 / READY FOR A CONVERSATION“What should I do next?”
Talk through your goals and the questions on your mind.
Book Appointment →THE PROCESS · ONE STEP AT A TIME
From your first thought.
To your own front door.
You don’t need to have it all worked out today. Here’s how the journey usually unfolds.
STEP 2
Mortgage in principle
Get an indication of what a lender might lend, subject to its checks. It helps you start your search with more clarity; it isn’t a mortgage offer.
Understand the process →STEP 3
Make an offer
View homes, ask questions and compare what matters to you. When you find the right one, make your offer through the estate agent.
Keep track of your viewings →STEP 4
Apply for a mortgage
Once your offer is accepted, your adviser checks your circumstances, recommends a suitable mortgage and helps with the application.
Book Appointment →STEP 5
Instruct a solicitor
Your solicitor or conveyancer handles the legal work, including searches, enquiries and the transfer of ownership.
Explore the legal steps →STEP 6
Property survey
The lender’s valuation is for its lending decision. Consider your own survey to understand the property’s condition and any repairs it may need.
Know what happens next →STEP 7
Mortgage offer issued
After the lender’s checks, your formal offer sets out the mortgage terms. Your solicitor works towards exchange when the legal checks and arrangements are ready.
Read the buying process →STEP 8
Collect your keys!
On completion, the money is transferred and the home is yours. Arrange your key collection, take meter readings and enjoy your new beginning.
See your moving checklist →
A guide to buying in England and Wales. Some stages happen together, and the timing varies. Scotland and Northern Ireland have different legal processes.
A LITTLE ABOUT YOUR HOMEBUYER COACH
Hi, I’m Joe.
I’m here to help you understand the whole journey.
I’ve worked in property since 2007, across lettings and estate agency, and now run Mortgage HQ. I created The Homebuyer Coach because buying a home involves much more than choosing a mortgage.
My aim is to help you feel informed, prepared and confident asking the questions that matter to you.
More about me →NOT YOUR FIRST HOME?
Your next move matters too.
YOUR NEXT STEP
Let’s talk about
where you want to be.
We’ll have an initial chat to run through your property goals and what happens next.
Book Appointment ↗Home photography: Daniil Korbut / Unsplash.