Home Mortgages How to apply Next steps in your application

Next steps in your application

Here are the steps you can expect to follow when either borrowing more, moving your mortgage to us or buying a property.

Start your application

Give us a call or apply online using our find the mortgage for you tool.

If you apply online you’ll need to fill in some details and then we’ll call you back. We’ll ask you some more questions and ask for some documents.

If you apply on the phone we can get all of this information from you there and then, before arranging another appointment. We’ll confirm this date with you and let you know what you need to send us in advance.

During your mortgage appointment we’ll ask you for details on all of the money you earn and spend, so that we can accurately assess the right mortgage arrangements for you. This appointment usually takes up to two hours, and you'll need to be somewhere you can openly share this personal information over the phone:

  • income
  • credit, store or charge card balances
  • phones
  • Council Tax
  • pensions
  • schools
  • subscriptions
  • loans (both sole and joint applications)
  • utilities
  • TV
  • insurance
  • childcare
  • divorce settlement payments
  • car leases.

Reviewing and agreeing your mortgage

We’ll go through everything you sent us and should be able to give you a decision during the call.

If not, we might need to contact you later to check a few things. In this case we’ll let you know as soon as our decision has been made.

When everything is ready we’ll send you an Agreement in Principle.

Agreeing your mortgage rate

Once your Agreement in Principle is set, it’ll be time to secure your Mortgage rate. This is easy to do on the phone. If you’ve selected a rate that includes a booking fee, you’ll have to pay this in order to secure the rate you want. If you don’t the rate might change.

Property valuation

We’ll get a professional valuation of the property you want to buy, making sure it’s suitable for a mortgage. Depending on the type of valuation you choose, this could also show anything that might be wrong on the property.

The valuation company will contact the seller to arrange a suitable time for their valuation. It normally all takes around two weeks.

Your mortgage documents

Once your Mortgage has been approved we’ll send you all your documentation in the post. Keep them safe.

The legal bits

You’ll need to get a solicitor or licensed conveyancer to help with all your legal stuff.

When we give you your offer documents, your legal team will get in touch to ask you for any extra information they need. They’ll then deal with all the legal bits of your sale, including researching the property and dealing with the seller’s legal team on your behalf.

This can take between two and six weeks, though sometimes it can be longer.

When you and your solicitor are both happy to proceed, you’ll sign contracts and the solicitors will exchange them. The deposit your solicitor is holding for you will be transferred to the seller’s solicitor, ready for completion. If you’d like an update, it’s always best to contact your solicitor or licensed conveyancer, as we’ll also be waiting to hear from them in order to complete your Mortgage application.

Then you’ll get a transfer deed, naming you as the new legal landowner.

Your mortgage completion date

We’ll open your mortgage account and send the money to your solicitor.

Pick up the keys

You’re all done and ready to move in. Remember, lift with your legs, not with your back.

Find the mortgage for you

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Contact us

If you want to:

Move house, remortgage, discuss rates or borrow more

New to first direct

0800 48 24 48

Existing first direct customers:

03 456 100 103

If you have:

Completion questions, payment changes, statement requests, or to pay off your mortgage

03 456 100 198

Lines are open Mon to Fri 8am to 10pm, Sat 8am to 8pm and Sun 9am to 8pm.

Lines are open Mon to Fri 8am to 9pm, Sat 8am to 5.30pm.