We know that the house buying process can be difficult, but we’re here for you. We have broken it down into bite sized chunks to help you along the way. Each step will provide you with useful information and if you’re ready to speak to one of our mortgage team, book an appointment today.
Step 1
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Understanding different types of mortgages
There’s a lot to think about when looking for a mortgage. We’re here to help; our guide on understanding different types of mortgages is a great place to start.
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Everything you need to know about stamp duty
Stamp Duty Land Tax is a payment to the Government to obtain a Certificate of Land Ownership from the HM Revenue & Customs. It states that the land on which your new property sits is legally and officially owned by and registered to you.
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How to use your LISA to get a mortgage
If you have saved enough money in your Lifetime ISA (LISA) and you’re ready to get your first home, we’ve created a guide to help make your first step onto the property ladder as seamless as possible.
Step 2
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Gifted house deposits: What to consider?
Some parents and family members choose to provide younger generations with some, or all, of the deposit money that they need to buy their first house. Read our guide on what to consider when it comes to gifted house deposits.
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Get started with our affordability calculator
Our affordability calculator is a quick and easy way of seeing how much you may be able to borrow from us, before you speak to one of our mortgage team.
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The average cost of moving house
Moving home can be costly, that's why it’s important to budget for all costs. Use our average cost of moving house guide to help you plan for your move.
Step 3
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Getting a Decision in Principle
Mortgage in Principle, Decision in Principle and Agreement in Principle: there are lots of terms for the same thing. Our guide will help you understand the process of getting a Decision in Principle.
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Making an offer on a house
How do you put in an offer, and how much should you offer for the best chance of being accepted? Our guide will explain the process of making an offer on a house.
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How long does it take to get a mortgage?
Most potential homeowners can expect to wait around a month or two to get a mortgage, as long as the application is straightforward and there aren’t any issues with their file. Read our guide to find out more information.
Step 4
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My mortgage has been approved... now what?
With your offer accepted, and your mortgage approved by your lender, you can begin the process of getting into your new home. But there are some key steps to think about in order to make that process as smooth and as simple as possible.
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The role of a solicitor when buying a house
Many homebuyers are unsure whether they need a solicitor or if they can save themselves a little extra cash by going without. In our guide, we explain whether you need a solicitor when buying or selling a house.
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What is a home buyers survey?
Even when you’ve fallen in love with a property, it’s natural to wonder whether you’re making the right choice. This is where paying for a home buyers survey can be really helpful.
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Ready to arrange an appointment?
Complete our online form to arrange an appointment with one of our friendly mortgage team.
Book an appointment -
Apply for a mortgage today
YOUR MORTGAGE WILL BE SECURED ON YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.