The Mortgage Process

You’ve decided to make your first property purchase or you’re thinking about it - let’s make it happen!


We work with a large panel of lenders and are well placed to match you with a lender that is most suited to your circumstances.

An initial conversation can be followed by a meeting to help us get to know you. We establish your requirements and assess your context and affordability in order to recommend a product that fits your situation.


We arrange an Agreement-in-Principle which confirms how much the lender is willing to loan you subject to satisfactory paperwork, checks, valuation etc.

The Agreement in Principle (also decision in principle – DIP) document is distinct from a binding agreement but it is useful when choosing a property and making an offer as it demonstrates a readiness to purchase and is generally accepted by estate agents as proof that you’re able to obtain a mortgage.


We provide advice and guidance throughout the property purchase process with the aim of making the process as smooth as possible.

Once your offer on a property is accepted, we can recommend a solicitor (conveyancer) and a surveyor as well as the right type of survey for the property. We will ensure good communication flow while moving the process forward.


The mortgage application is finalised upon the successful completion of the valuation and satisfaction of any checks, details and documents required by the lender. The lender will extend a formal mortgage offer on satisfactorily completing the application process. If accepted, a copy of the offer will be sent to your solicitor in readiness for exchange of contracts.

We can further assist with securing competitive cover for building and contents as well as mortgage protection, life and critical illness insurance.


Once your solicitor is satisfied with the contracts and responses to any issues raised, they will request your deposit and set a date for the exchange of contracts and subsequent completion. On the exchange of contracts with the seller’s solicitors, you become committed to buying the property.

At completion, the lender will release the funds which is paid to the seller and effectively making you the new owner of the property. The keys to your new home will be available to pick up from the estate agent on the same day.

Ask the experts

Our advisers will answer any questions or queries you have about new or existing mortgages. Submit any questions using the form here or simply request a callback at a time that’s convenient for you. For responses to frequently asked questions, see our FAQ section.