Mortgage Process

We know that buying a property for the first time can be daunting, because of this we are here to make it as simple and stress free as possible.

We understand the importance of knowing how the mortgage process works and so, below we have provided some useful guidance to help you out.

House hunting

First you need to find a house. When you start viewing properties, most estate agents will ask you for an Agreement/Decision In Principle (AIP/DIP) certificate which confirms your suitability for a mortgage.

Some agents may not be willing to show you any property until you can produce an AIP/DIP.
We can help you with this FREE OF CHARGE which could make you a more attractive buyer and stand you apart from other prospective buyers.

Make an appointment with us and we will arrange your AIP/DIP.

Making an offer

When you have found the house of your dreams, you will need to make an offer.

Once accepted by the vendor, you will need to provide the following documentation for the estate agent:

  • Proof of identification
  • Proof of deposit
  • AIP/DIP certificate

You will also require a solicitor too, if you haven’t got one, we can help you get one or you can use our solicitor quote system.

Offer accepted / apply for mortgage

You will need to make an appointment with us to formally apply for a mortgage and we will require the following paperwork:

  • Proof of identification, typically your passport or driving licence
  • 3 months payslips
  • 3 months bank statements
  • Proof of deposit
  • Valuation fee

This is not an exhaustive list and the mortgage lender may require additional documentation.

Mortgage Offer

This is when the lender has approved your mortgage who will confirm this in writing. You can then instruct your solicitors so they can begin the local and land searches and take care of all legal aspects of moving house.

If you require, we can help you with appointing solicitors FREE OF CHARGE.

Exchange of Contracts

When the solicitors have completed their work you will have to pay a 10% deposit which is calculated based on the purchase price.

At this stage, the purchase is legally binding and you would initiate your life policy and buildings insurance – we can arrange this for you.


The property is yours and you can collect the keys.