Step 1 - Initial Consultation

Call us on 0844 418 0090 for an initial consultation or complete the Contact Enquiry Form to arrange a time for us to call you back. We will organise a time to come out and see you or discuss over the phone your initial requirements.

The initial consultation should take no longer than 45 minutes and one of our trained mortgage consultants will gather the information from you that we require to start the process. At this meeting we can advise you on the costs involved, let you know exactly what you can borrow and how much your repayments could be.

Step 2 – Finding a property

Once we have told you what you can borrow and how much it will cost you will then be in a position to start viewing houses. Once you have found your new home, you need to think about putting an offer on the property. We can help you with this process; we can speak to the estate agent involved, help negotiate a price and hopefully get an offer accepted for you.

Step 3 – Once a property is found

We will then search the whole of the mortgage market for you and find the most suitable deal available that suits your situation and needs. Once a mortgage product has been found we will complete the paperwork for you, organise a solicitor and discuss the protection areas involved with owning a house, i.e. buildings insurance, life insurance.

You will need to appoint a solicitor or conveyancer who will deal with legal aspects of purchasing your new property and selling your existing property, if applicable. This process is commonly known as 'conveyancing' and it includes researching the property's legal boundaries, obtaining the legal deeds and advising you on a draft contract of sale. Your solicitor or conveyancer will also carry out searches and agree a date for completion. We can introduce you to a solicitor who will act on your behalf during the transaction.

Step 4 - Submit Application Form to Lender

On receipt of your signed mortgage application form, we will then submit it to your mortgage lender. We will also submit any forms relating to insurance products to the relevant product provider if we have given you advice and recommendation on these products. We then monitor the progress of your application and keep you updated on a regular basis.

Step 5 - Mortgage Application Process

We will monitor the mortgage application process from start to finish, enabling you to have complete peace of mind. After your application form has been submitted, the lender will typically need to carry out a valuation of your new property. Details on the types of valuation can be found on our Types of Surveys Page

In the meantime the mortgage lender will be applying for the applicable references. Once this is done and your application has been accepted, a mortgage offer will then be issued by the lender. This needs to be checked and signed by you and returned to us. We will keep you up to date with the process.

Step 6 - Exchange Contracts

Once your solicitor or conveyancer has carried out the necessary legal work and the mortgage offer has been made and received by you, the contracts can be exchanged. Once each party has signed the contracts and they have been exchanged, they are legally binding. The contracts will include a completion date, which is the date that you take legal ownership of the property.

You will also need to arrange buildings insurance so that the property is insured from the day that you take legal ownership of the property (the completion date). We can arrange buildings insurance for you - visit Our Services page for more information on building insurance.

Step 7 - Legal Completion

This is the last stage of the process when your solicitor or conveyancer completes the purchase of the property on your behalf. The Transfer Deed, the document confirming you as the owner of the property, is then sent to the relevant registry so that records can be updated showing you as the new owner. The property is then legally yours and you can move in.

In some cases, contracts are exchanged and legal completion takes place on the same day.

Once you are in your new home you have a responsibility to advise the appropriate organisations that you have a new address. For example, you will need to advise your local authority/council so that a new council tax bill can be arranged for you, your local water supplier and your local electricity and/or gas companies, and other bodies such as the DVLA and TV Licensing. These are just a few examples - we will be happy to help you compile a complete list.

Step 9 – Move in

The big day has arrived and you are now homeowners.

However our relationship with you does not end here. We will continue to keep in touch with you to offer advice and help on your future needs, from increased life cover as you start a family or advising you when you buy a new home.