Every guide on this page answers a question first-time buyers ask me, so start wherever you are. If you’re still saving, the deposit and borrowing guides explain what lenders expect and how they work out what you can afford. If you’ve already had an offer accepted, skip ahead to the guides on conveyancing, exchange and completion. You don’t need to read everything, just the stage you’re at.
If you want the short version of the whole process, it runs like this. Get your paperwork and credit record in shape, work out what you can borrow, then get a mortgage in principle before you book viewings, because most estate agents will want to see one before they take your offer seriously. Once your offer is accepted, the full application, valuation and legal work start. Each of those steps has its own guide above, including what it costs and how long it tends to take.
What none of these guides can do is tell you which mortgage is right for you. That depends on your income, your deposit, your plans and a handful of smaller things a guide can’t know. Working that out is what an advice appointment is for, and the initial chat is free. If you’d rather talk it through than keep reading, call me on 01425 203055 or book a call.