We'll have an initial chat to run through your property goals and develop a clear plan on how to achieve them. We'll discuss affordability, budget and run through tips and tricks that will help you secure your dream home. 

The information gathered makes it time to obtain a mortgage in principle. This is a certificate from a lender showing that you're able to borrow the required funds. 

Armed with a Mortgage in Principle, you are now in a position to find your dream home! Once you've found the right one for you, you'll need to make an offer. This is usually done through the estate agent.

Congratulations! Your offer has been accepted. Now you'll need to apply for the mortgage. Your broker will check to see if any of your circumstances have changed, and then will provide a recommendation on the right mortgage for you.

You'll need a solicitor to handle the legal process involved with transferring ownership of the property to you. 

The lender will arrange a basic valuation of the property. This will ensure the property is worth what you've agreed to pay for it. You may also want to arrange your survey on the property that will identify any potential problems.

Once the lender has carried out their underwriting checks, they will issue the mortgage offer. The solicitor will check through to make sure everything is in order. They will then exchange contracts - this is when you'll pay your deposit to your solicitor. 

The exchange of contracts is when both parties swap and sign the contracts. This is the point where you as the buyer will be asked to put down your deposit. This is a crucial stage of buying a home. Once the contracts are signed, you will be legally bound to buy the home. You will lose your deposit if you wanted to pull out after this stage.

Is it important to have your insurance active at this stage (buildings and mortgage insurance) 

Time to pop the champagne! You've completed! Get ready to pick up the keys and move in.

If you are remortgaging, we can explain the difference between your current lender and the best product, given your circumstances.