08/06/2026
Buying a home doesn’t have to feel overwhelming — here’s a simple guide to take you from start to finish:
1️⃣ Get Mortgage Ready
✔ Check your credit score
✔ Review your income & outgoings
✔ Save for your deposit (typically 5–20%)
2️⃣ Speak to a Mortgage Advisor
This is where I come in 👋
✔ Find out how much you can borrow
✔ Get advice tailored to your situation
✔ Secure a Decision in Principle (DIP)
3️⃣ Start House Hunting
✔ Set a realistic budget
✔ View properties with confidence
✔ Make an offer when you find “the one”
4️⃣ Mortgage Application
✔ Submit your full application
✔ Provide documents (ID, payslips, bank statements)
✔ Lender carries out checks & valuation
5️⃣ Legal Work Begins
✔ A solicitor handles searches & contracts
✔ Final checks are completed before exchange
6️⃣ Mortgage Offer Issued
✔ Your lender confirms the mortgage
✔ You’re one step closer to owning your home!
7️⃣ Exchange Contracts
✔ Pay your deposit
✔ Commit to the purchase legally
8️⃣ Completion Day 🎉
✔ Funds are transferred
✔ Keys are yours — you’re officially a homeowner!
💬 We'll guide you through every stage, making the process clear, simple, and stress-free.
Thinking of buying? Let’s chat and get you started 📩
Your property may be repossessed if you do not keep up repayments on your mortgage
FP21406
