From the plan in your head to the key in your door.

As steps in life go, buying a home is certainly one of the big ones. But if you know what’s involved in the mortgage process, you can see it instead as a number of small, easily-managed steps. What’s more, you don’t have to take them on your own. We are here to help you, providing as much guidance and support as you want or need. Every step of the way.

If you’re a first time buyer, you need to allow time to get yourself mortgage ready. Start as soon as you can. Because the moment you begin preparing, you’re moving one step closer to the day you move into your new home.

Step 1

Contact one of our mortgage advisers to discuss your individual requirements
Chat to one of our advisers to get an indication of how much you could currently afford to borrow and what your monthly repayments are likely to be

Step 2

Start saving for your deposit
Saving for a deposit is hard work but it will be really beneficial and we are always happy to chat through tips on the best way to save.

Step 3

Find your dream home
You can also start your search in earnest for your dream home, knowing that you have already established how much you are likely to be able to borrow once you find “the one”, make an offer and let us know if it is accepted.

Step 4

Begin your mortgage application
We offer three methods of application, make an appointment to talk to one of our local mortgage advisers, make the application over the phone or you make an application online (with or without advice)

Step 5

Showing what you earn
To help us make a decision on your application you will need to show that you can pay the mortgage back. We will look for bank statements and proof of income e.g. payslips for PAYE employees or SA302 for the self employed to support your application.

Step 6

Provide additional requested documents
Provide any additional documentation (if required) as requested by our underwriters. Once we make sure we are happy with the contents of the documents and assuming your circumstances haven’t changed, we’re on to the next step.

Step 7

Valuation requested
We will instruct one of our appointed valuers to carry out a survey on the property. Various valuation options are available and these will be discussed with you when making your initial application.

Step 8

The Offer
Once we have assessed and approved your application you and your solicitor will each receive a loan offer pack in the post. You should review the loan offer letter with your solicitor, sign and return it to us (along with any other supporting documentation requested in the letter of offer).

Step 9

Exchanging contracts
Then it is time to pay your deposit and exchange contracts. You’ll also need to arrange your home (buildings) insurance and your life assurance. These need to be in place before you can draw down your mortgage. Your mortgage adviser can bring you through this.

Step 10

Getting your mortgage funds
Once all the above steps are completed and assuming you have given us anything else required in the Offer Letter and we are happy with it, we issue your mortgage funds to your solicitor on your completion day

Step 11

Moving day
Once the funds have arrived with the sellers solicitor the selling agent can release the keys to you and you can begin to move in. (Make sure you can easily find the kettle!)