First time buyers mortgage journey
How did you apply for your mortgage?
First things first
These are the initial steps to get the ball rolling
- 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
- 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
- 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!
First things first
These are the initial steps to get the ball rolling
- 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
- 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
- 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!
Contact us today
If you want to: Find out more information about your existing mortgage rate
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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.