The Mortgage Process

If you’ve not been through it before, you probably have no idea what the mortgage and home-buying process involves and it can be a bit daunting. So, here is a brief step-by-step to give you an idea of what to expect.

First meeting

In your first meeting or phone call, we will assess your financial situation - income, expenditure, credit report, commitments - and run your affordability with our lenders to see what deals will be available to you.

Mortgage in Principle

Once we have all of the required documentation from you, we will get your mortgage agreed in principle with the chosen lender. This is a pre-agreement from the lender that you will be able to get a mortgage.

House hunting

Now you have a MIP, you can begin seriously house hunting and confidently put in an offer on the property you love!

Sign up meeting

Once you have an offer accepted on a property, we will meet again to confirm all of the numbers and make sure you are happy to proceed. Here we will also discuss insurance and protection policies.

Mortgage application

Using all of the information we have from you, we will submit a formal mortgage application to the lender. Throughout the application process, the lender may ask for addition documents or information, so we will work closely with them to get your offer ASAP.

Mortgage offer

Once the lender is satisfied with everything we have provided and that you meet all of the requirements, they will issue your mortgage offer!


The legal process will begin once you have received your offer. Your solicitor will instruct surveys, carry out property searches, and arrange contracts for the purchase.

Exchange of contracts

When all survey and search reports come back, you will sign and exchange contracts, at which point you become financially liable for the property.


Go and pick up the keys to your new home!!

This is a very brief guide to the entire process, and time scales vary depending on your specific circumstances, which lender you apply with, and your solicitor’s time scales. But as soon as you decide you are ready to start looking for houses, get booked in for that first meeting and we will guide you through the entire process from there!

Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is £399.