Mortgages

Mortgage Checklist

The following checklist shows the key steps you'll need to go through when buying a new home.

1. Contact us so that we can discuss your requirements and arrange an agreement in principle with the most appropriate lender.
2. Register with one or more estate agents.
3. Find a property and make a formal offer 'subject to contract'.
4. Let us know as soon as you've made your offer, so that we can complete an application with the chosen lender and have a thorough search for the most competitive insurance products. We'll help you through the entire application process, including making sure all the required documents are completed, sent off promptly and regularly chased.
5. Instruct a solicitor. We can organise this for you.
6. If any problems are identified with your survey, get quotes for the work needed.
7. Once you receive your mortgage offer, contact your solicitor to make sure that all of the searches are being carried out and that a contract is being drawn up for you to sign.
8. Organise payment of your deposit with your solicitor.
9. Exchange contracts - you are now committed to buying. At this stage we will ensure that your life insurance and buildings cover is in place.
10. Ask your solicitor for a completion date, i.e. the date on which you move into your new home.
11. On the day of completion, call the estate agent to arrange collection of your keys and move in! Your contents insurance should now be in place.