01 · Get prepared
Talk through your goals, budget, deposit and circumstances. Get your paperwork together and ask the questions that matter to you.
02 · Agreement in principle
An initial lender indication can help with your property search. It is subject to further checks and is not a mortgage offer.
03 · View and make an offer
Compare homes, keep notes and make an offer that fits your circumstances.
04 · Apply for your mortgage
Once you have an accepted offer, your broker can review the details and progress a suitable application.
05 · Instruct a solicitor
Your solicitor or conveyancer handles the legal work and searches for your purchase. Some stages happen alongside one another.
06 · Valuation and survey
The lender’s valuation is for the lender. Discuss a separate survey if you want a fuller picture of the property’s condition.
07 · Mortgage offer and exchange
Your solicitor works through the mortgage offer and legal checks before exchange. Confirm your commitments and arrangements with them.
08 · Complete and collect your keys
Once completion is confirmed, you can collect your keys and start the next chapter.