No impact on your credit score
The Simple Process
Focus on your exciting home purchase and leave the boring Mortgage to the experts. We will remove all the stress, find you the best rate and give you the best chance of affording your perfect home.
Contact The Mortgage Broker
We Assess your Affordability
Secure the Best Mortgage
Make An Offer
Download your First-Time Buyer Guide
Written by our CeMAP-qualified advisers and reviewed by our compliance team to help you plan your first purchase with clarity and confidence.
As first time buyers, they made the whole process smooth and easy for us!
Slide through the below process to understand more detail about the home buying journey.
The First Time Buyer Mortgage Process
The 10 steps in the first time buyer mortgage journey.
1. Understand Affordability
Speak to a mortgage adviser, understand your financial position and get an agreement in principle
2. Make an Offer
Offer Accepted. Back to Mortgage Broker to find and confirm best lender and a solicitor. Your broker can recommend a solicitor.
3. Instruct a Solicitor
The solicitor will send you a welcome pack. You can hold off searches until offer is issued if you prefer. That way you can get a refund if something stops it going through.
4. Submit Mortgage App
Submit full mortgage application, pay valuation fee (if applicable) - this fee is non-refundable.
5. Protection Appointment
Discuss all your protection needs with the protection specialist. Build dreams, but protect your future.
6. Mortgage Offer Issued
Return the solicitor pack completed, and receive initial contracts.
7. Start Property Searches
Once the solicitor starts the searches your fees are non-refundable. Solicitor will advise on any further searches required.
8. Pay Deposit
Once you have completed all the searches, you can agree a completion date and your solicitor will request the deposit and their fees.
9. Exchange Contracts
Once a date is set you will exchange contracts.
10. Completion
You will receive a call from your solicitor or Estate Agent notifying you that all contracts are complete.
Leave the hard work to The Mortgage Broker
Get Started on your First Mortgage
Contact Us Today