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The mortgage process explained

We aim to make house buying as straightforward as possible

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

A useful overview of the process

Getting a mortgage can seem like a complicated process but we're here to make it as easy as possible for you. Our experience allows us to guide you through the process and offer help at every step. Owning your first home is a special moment and we want you to be able to enjoy it. Our home buying timeline can help you with what to expect.

1 - Start saving

Buying a house is a big commitment and it's never too early to start saving for your deposit. With our first-time buyer mortgage your deposit could be as little as 5% of the value of your new home. Our guide to how to save for a mortgage offers advice on different ways you can save.

2 - An affordable mortgage

Use our mortgage calculator to work out how large a mortgage you can afford. The calculator takes information like the deposit available and the value of the house and gives you a rough idea of what your payments might be. Our article on how much you can borrow gives you more information on how large a mortgage you should consider.

3 - We’re here to help

Start your application process by making an appointment online, or telephone by calling 0800 023 2201 or in your local branch. Make an appointment to speak with one of our mortgage advisors and read how to prepare for a successful appointment.

To apply for a mortgage you'll need photographic ID, your bank details, at least two months of pay slips, your most recent end of year tax information (P60) and details of any loans you already have.

4 - Finding the right mortgage

Our advisor will help to find the mortgage that's right for you based on your personal circumstances.

5 - Make an offer

Once you've decided on a house have your solicitor make an offer. If this is accepted our mortgage advisor will help you complete your mortgage application. It’s advisable to have received a decision in principle from your lender before making an offer. This confirms that the lender is prepared to offer you the amount you need should the offer be accepted.

For properties in England and Wales this is slightly different where the purchaser and/or anyone instructed to act on their behalf (estate agent / solicitor) can make the offer

6 - Securing your dream home

Have the property valued and we'll take the valuation into consideration when offering a mortgage. If you've taken our first time buyer mortgage we'll arrange one standard valuation free of charge.

7 - Moving day

On your completion date your solicitor will arrange to transfer your deposit and mortgage to finalise the purchase of your new home and you'll be able to move in. If your chosen mortgage offers cashback, you'll be eligible for this now too.

8 - Stay informed

While you're enjoying living in your new home it's important to keep informed about your mortgage. Know when your fixed rate is due to end and what this might do to your monthly payments. Be aware of what a rise in interest rates could do to your monthly payments and make sure you'd be still able to meet them if this was to happen.

9 - Enjoy your new home

Enjoy your new home and the changes it brings to your life. Your first home is one of life's big milestones. We know applying for a mortgage can seem daunting but we're here every step of the way to make the process as simple as possible.


More you might like to know about mortgages

Family

Financial aspects of owning a home

Tools and guides to help you understand the financial journey to your new home.

Find out more on financial aspects of owning a home

Keys to new home

First time buyers guides and tools

Help on the journey to owning your own home.

Find out more on first time buyers guides and tools

North Queensferry

Buy-to-let mortgages explained

Is a buy-to-let property the right investment for you? Find out with our examination of the many aspects involved.

Find out more on buy-to-let mortgages explained


Online enquiries

Complete our online enquiry form and one of our advisors will be in touch to discuss your mortgage requirements and available options.

Online mortgage enquiry

Live chat

Got a question? Our advisors are available through live chat to help you find the answers.

Chat online now

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Speak to an advisor

Get in touch to discover how our advisors can help you live where you love.

Call us to speak to an advisor about a query or to apply for a mortgage.

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