Independent Financial Advice

Buying Guide

Step 1

• Speak with one of our ‘Independent Mortgage Advisers’ who will advise on how much you can borrow and to work through all the costs.
• On your instruction he/she will research the whole of the mortgage market to help find the most suitable mortgage for you.
• Have a mortgage ‘Agreed In Principle’ (AIP) to secure your mortgage and to help speed up the whole process

Step 2

• Find a property!
• Register with local estate agents, look for property on the internet and check the Property Pages in the local press.

Step 3

• When you have found your ideal property, make a formal offer - ‘subject to contract’.
• Our advisor can help to negotiate on your behalf.

Step 4

• When your offer is accepted, it’s time to complete the necessary mortgage and insurance application forms. Your Mortgage Adviser can complete and submit all these forms on your behalf.
• You should now instruct your Solicitors. If you do not have your own solicitor, we can arrange for you.

Step 5

• Once your application is approved, your mortgage lender will arrange for a surveyor to carry out a “valuation report” on the property, and request any references or further information.
• We will liaise weekly with your lender to help manage your application and to help ensure the whole process runs as smoothly as possible.

Step 6

• Once the valuation report and all other information have been received, and are satisfactory, your lender will issue a formal mortgage offer.
• Your solicitor now does the searches, checks who actually owns the property, and draws up the contract.
• We will liaise regularly with your solicitor and keep you informed of progress.

Step 7

• Exchange contracts and pay your deposit.
• You are legally committed to buying the property when you have signed the contract.
• Ensure your insurance and protection policies are started at this point.

Step 8

• Completion date. Collect your keys – it’s time to move in!