First time buyers mortgage journey
How did you apply for your mortgage?
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First things first
These are the initial steps to get the ball rolling
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- You’ll need to get an Agreement in Principle from us. This is an initial assessment we make based on things like income and financial position.
- Send us any relevant documentation and files. We need these to complete income and expenditure checks.
- Our team will get in touch with you to book a call with an adviser.
Getting your offer and valuation
Making your mortgage a reality
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- Your Mortgage Advisor will give you a call to discuss your mortgage requirements, complete an underwriting referral and give you a personalised recommendation.
- We'll send you a mortgage illustration and a mortgage advice report.
- Your Mortgage Advisor will get in touch to see what you think and take payment if there's a fixed-rate fee to pay.
- The property valuation is completed and sent back to us.
- We’ll then send you your mortgage offer documents to review!
Legals and drawdowns
The legal stuff to help finalise your mortgage
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- We send your offer and our instructions to your conveyancer to start the conveyancing process.
- Once the conveyancing process is completed, we’ll get the drawdown date from your conveyancer.
- The final checks are done and the money is ready to be released to your conveyancer.
- The money is sent and your mortgage is up and running.
- You’ll get confirmation of your mortgage completion and payment details!
Hooray!
You're all set! Nothing left to do now except plan the housewarming party and enjoy your lovely new home!
![](/build/images/journey-result.png)
First things first
These are the initial steps to get the ball rolling
![](/build/images/section-1-image.png)
- Complete your mortgage application online for an instant illustration.
- Our team will be in touch to book a call with our Mortgage Team.
Get your offer and valuation
Making your mortgage a reality
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- Our Mortgage Team gives you an unadvised call about your application. We'll confirm your mortgage rate on the call and take any applicable fee if required.
- We’ll then send you an email with a link to provide your supporting documents.
- The property valuation is completed and sent back to us.
- Your mortgage application is assessed by the underwriter using your supporting documents to confirm income and expenditure.
- We’ll send you your mortgage offer documents to review!
Legals and drawdowns
The legal stuff to help finalise your mortgage
![](/build/images/section-3-image.png)
- We send your offer and our instructions to your conveyancer to start the conveyancing process.
- Once the conveyancing process is completed, we’ll get the drawdown date from your conveyancer.
- The final checks are done and the money is ready to be released to your conveyancer.
- The money is sent and your mortgage is up and running.
- You’ll get confirmation of your mortgage completion and payment details!
Hooray!
You're all set! Nothing left to do now except plan the housewarming party and enjoy your lovely new home!
![](/build/images/journey-result.png)
Contact us today
If you want to: Find out more information about your existing mortgage rate
Chat with usLog in > select 'Message us'
If you want to: Move house, remortgage, discuss rates or borrow more
If you have: Completion questions, payment changes, statement requests, or to pay off your mortgage
Mon to Fri 8am - 9pm and Sat 8am - 5.30pm
If you have: An ongoing mortgage application
Mon to Sat 8am - 8pm and Sun 9am to 8pm
Think carefully before securing other debts against your home. Your home may be repossessed if you don't keep up repayments on your mortgage.