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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

Contact The Mortgage Broker

We Assess your Affordability

We Assess your Affordability

Secure the Best Mortgage

Secure the Best Mortgage

Make An Offer

Make An Offer

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.

First Time Buyer - The Mortgage Process

Speak to an advisor
Speak to an adviser

1. Understand Affordability

Speak to a mortgage adviser, understand your financial position and get an agreement in principle
View houses

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.
Legal part

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.
Back to mortgage

4. Submit Mortgage App

Submit full mortgage application, pay valuation fee (if applicable) - this fee is non-refundable.
Secure your future

5. Protection Appointment

Discuss all your protection needs with the protection specialist. Build dreams, but protect your future.
Lender agrees

6. Mortgage Offer Issued

Return the solicitor pack completed, and receive initial contracts.
Solicitor receives offer

7. Start Property Searches

Once the solicitor starts the searches your fees are non-refundable. Solicitor will advise on any further searches required.
Discuss completion dates

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.
Completion date agreed

9. Exchange Contracts

Once a date is set you will exchange contracts.
Collect your keys

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