Step 1

Investigate your house buying options

Talk to a Mortgage Mentor to find out:

  1. The costs of moving home or buying a house
  2. How much you can borrow on a mortgage
  3. How much you can buy a house for
  4. How much your monthly monthly mortgage repayments will be

Step 2

Find your dream home

This is the fun part. Get yourself out there and view as many properties as you can…

  1. Arrange property viewings with Estate Agents
  2. Negotiate on the property (don’t forget to start low. You can always go up but you can’t come down)
  3. Agree a deal with the seller
  4. Get an agreement in principle from your 'Mortgage Mentor' at we are mortgages

Step 3

Apply for your mortgage

This is when you need to decide on a mortgage product. We will give you advice and submit all the necessary mortgage applications on your behalf.

  1. Apply for your mortgage and mortgage protection
  2. Instruct your solicitors on your house purchase
  3. Your Mortgage Mentor will send off all your documents to the mortgage lender for them to review

Step 4

Mortgage offer

It's incredibly important to pay attention to the detail at this point . Make sure there isn't a stone left un-turned and that you fully understand every aspect of your mortgage offer.  Don't be afraid to ask your mortgage advisor questions, that's what we're here for.

  1. Once your survey on the property you are buying has come back and documents are accepted from the mortgage lender, a full mortgage offer will be produced
  2. We will review your mortgage and mortgage protection arrangements with you to make sure you’re happy with everything

Step 5

Exchange contracts

This is a vital part of the legal process of buying a house and it’s all legally binding. We will help you get to this period as quickly as possible.

  1. Before you exchange contracts on your property, you’ll need to sign a mortgage deed, a contract and a transfer of equity form
  2. This is when your deposit is lodged with the solicitors and it becomes legally binding… Time to relax and look forward to moving in to your new home!

Step 6

Completion of your house purchase!

This is the most exiting part of the whole process of buying a house and it's time to take the first walk around your lovely new home!

  1. Completion of your house purchase will usually happen a week or so after exchange, however, it might be longer depending on other people in the chain or if it’s a new build house.
  2. But if all goes according to plan, it will be time to pick up the keys, put the kettle on and have a cuppa in your new home!

What should you do now?

We can’t stress enough how important step 1 is and that it’s completed before you do anything else.Step 1 is the foundation for understanding what you can do, how much you have to spend, if you can get a mortgage etc and it’s important you get expert advice in this field as buying a property is an enormous commitment.This is where we come in.  We really don’t mind how early in the process you are, we want to help and give you advice from the very beginning because we understand how important it is to get that right and what a minefield this can be. So even if you're just thinking about buying a property, there's no harm in finding out what you're mortgage options are and how much you can spend and all the other things it entails. Please call us now for FREE to speak to an expert mortgage advisor...

01206 688568

Whoops... I am actually Buying & Selling

Just click on one of the link below and you'll find an easy step by step guide to selling your home and buying another property from mortgage to completion.

I’m Buying & Selling