Process

Discover our process

Once you have a mortgage in principle
and you’re ready to apply for your mortgage in full, you’ll need to take the steps below:

Get your documents ready

Your ID (such as a passport), your proof of address (such as a utility bill), proof of income (at least three months’ payslips and your P60), and proof of deposit. If you’re self-employed, you will usually need the last two to three years’ worth of accounts.

Complete your mortgage application

You will need to give your lender details of the property you want to buy, including the price you’ve agreed to pay.

Solicitor

Appoint a solicitor to draw up the contracts and handle searches.

Home survey

This needs to be carried out on the property you’re buying to check its value and condition. You can choose whether you want a more basic condition report, a more comprehensive homebuyer report or a full structural survey to give more detailed information about the property’s condition.

Exchange contracts

Once your mortgage is approved and you’re ready to make your purchase, your solicitor will exchange contracts of the sale with the seller’s solicitor.

Completion

The next step is completion. This is the date the money is transferred to the seller and you legally own your new home and can move in.

Apply Now