Knowing what your income and outgoings look like will allow you to work out a potential budget you would be comfortable using for your future household outgoings. It’s also important to check your credit score and make sure you repay all debts on time as failing to do this could make it more difficult to secure a mortgage.

Typically, the lowest deposit that will be required is 5% of the property value, however sometimes certain lenders may require more than this. There will also be other fees such as solicitor fees, broker fees and moving costs, so it is important you take all of this in to account.

When purchasing a property, it is likely you will need to provide proof of ID, payslips/company accounts, bank statements, proof of deposit, and possibly some further documents. It is always good to know this information in advance so the required documents can be gathered, avoiding delays further down the line.

This gives an estimate of how much you may be able to borrow and offers some reassurance that you may be approved for a mortgage. It also helps to show estate agents and sellers that you are well prepared when viewing any properties.

The solicitor (conveyancer) will advise on all legal aspects of purchasing a home and play a crucial role in submitting offers when you find your ideal property.

Finding a home within your desired budget and at your preferred location can take some time, but when the right property comes along you are then in a great position to make an offer.

Once your offer has been accepted, the mortgage application can be submitted. We take care of all the paperwork and provide advice on the most suitable mortgage product, tailored to your individual circumstances. Advice will also be provided on protecting yourself, your family and your home.

Your solicitor will complete the conveyancing process and ensure all legal requirements are met. They will provide advice and guidance to ensure your full understanding.

After all of the above steps have been completed, you will receive the keys to your new home! Your mortgage lender will also contact you at this stage to confirm when your mortgage repayments will start.