Step 1 - You are thinking about buying your first home

Find out if you are eligible for a mortgage, the size o the deposit you need and how much you could potentially borrow.

Step 2 - You are thinking about buying your first home

Find out if you are eligible for a mortgage, the size o the deposit you need and how much you could potentially borrow.

Step 3 - You are thinking about buying your first home

Find out if you are eligible for a mortgage, the size of the deposit you need and how much you could potentially borrow.

Your home may be repossessed if you do not keep up with repayments on your mortgage.

What’s an Agreement in Principle?

An Agreement in Principle (AIP) provides you with a commitment-free mortgage promise outlining how much a lender may be able to offer you. This is personalised based upon information provided and is required before starting a full mortgage application. Estate agents and property sellers will often ask to see an AIP to show that you are a committed buyer.

  • After speaking to a member of our mortgage team  and providing the necessary information, an AIP can be arranged swiftly.
  • There is no effect on your credit rating even if you are declined lending by a particular lender.
  • Get a clear idea of what properties you can afford to buy.
  • Your AIP is subject to a full mortgage application being submitted. Therefore, the amount that is stated is not fully guaranteed if a change in circumstances or property information change.

Step 4 – You have had an offer accepted on a property

After an offer is accepted on a property, you will need to complete a full mortgage application. This can be done by talking to one of our mortgage advisers.

Covering the whole market, our advisers work for you independently and have access to a wide panel of lenders. They will ask you about your needs and circumstances and then recommend the most suitable mortgage for you.

An appointment can be booked by contacting our team on 029 2009 9003, by online chat or by booking directly online.

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Step 5 - Starting your full mortgage application

When ready to start your full mortgage application, you can arrange to speak to one of our advisers who can help guide you through the process. Unlike high street banks, there are no face-to-face meetings and no waiting times, making the process of buying a property a much smoother process.

In preparation of your mortgage meeting, there are some documents that your adviser will need to see including payslips, bank statements and proof of your identity. Details of the property being purchased will also be required.

Both during and after your meeting, your adviser will:

  • Complete background checks with a leading Credit Reference Agency.
  • Discuss available valuation schemes.
  • Review your income and regular financial commitments.
  • Review the needs and circumstances and recommend the most suitable mortgage based on these.
  • Give you an illustration, which sets out the terms of the mortgage product and the total cost of the loan.

In Scotland sellers must provide a Home Buyers report which includes survey, Energy Performance Certificate (EPC) and Property Questionnaire.

Step 6 - Appointing a solicitor or licensed conveyancer

The legal side of property sale and purchase can be carried out by either a ‘solicitor’ or ‘licensed conveyancer’. For simplicity, we will refer to both of these as conveyancers. They will check who owns the property that is being sold, what is included in the sale, and whether there are clauses in the property’s legal title you or your lender need to be aware of. In Scotland your solicitor will also put in your offer to buy the property and negotiate for you.

You will need to:

  • Get an estimate from them of costs, including legal fees and VAT.
  • Tell your conveyancer if you have negotiated any additional items to be included in the sale, including kitchen appliances, carpets or curtains.
  • Make sure to read any documents your conveyancer sends you very carefully, and ask for clarification if necessary.

If you are unsure who to appoint as your conveyancer, your mortgage adviser can help you find one through our Conveyancing Service. Using our Conveyancing Service is not a requirement of applying for a mortgage through us and you can use any conveyancer you choose to appoint.

Step 7 - Exchanging contracts

After reading all the documents sent to you by your conveyancer, you will asked if satisfied to proceed with the purchase of the property. They will then ask you to sign the contract. After this point, the contracts will be exchanged, usually by phone, to form a binding agreement to buy and sell.

You will need to:

  • Make sure you have paid the conveyancer the deposit needed to pay for the property.
  • Sign the contract sent to you by your conveyancer. In Scotland, you exchange ‘missives’ which are letters of exchange with the seller’s conveyancer.
  • Tell your conveyancer the date on which you wish to complete the process.
  • Ensure buildings insurance is already in place.

Step 8 - Getting the keys to your new property

After exchange of contracts, you will be asked by your conveyancer to sign the mortgage deed and the document to transfer your new home to you. They will also apply for the mortgage money from the mortgage lender, and ask you for any balance they need to complete your purchase.

Your conveyancer will call you to confirm the legal process is complete. You can then pick up the keys to your new home.

Government schemes

There are a number of government schemes available to first time buyers to encourage home ownership within the UK. Depending on where you are looking to buy your first property, there are a variety of schemes you may be eligible for. Conditions and restrictions apply.


  • First time buyer mortgage blog
  • Useful mortgage calculators
  • FAQs