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- Contact Choicemortgages who will advise you how much you may be able to borrow and how much it will cost. They can also obtain a mortgage agreement in principle (subject to status and underwriting).
- Register with an estate agent or visit new home developers to find the home that is right for you.
- Once you have found your new home, make an offer 'subject to contract' and contact choicemortgages who will process your mortgage application for you.
- Instruct a solicitor who will carry out searches and draw up a contract. If you are unsure who to use, we can recommend a selection of reputable firms.
- Your lender will arrange for a survey on your new home to ensure it is adequate security. A more comprehensive survey can be arranged if required.
- Once your mortgage application has been processed and a satisfactory survey report has been received, a formal mortgage offer will be issued to both you and your solicitor.
- Once you and your solicitor are happy to proceed you will be asked to sign the contract and pay your deposit.
- Your solicitor will exchange contracts and give you a completion date. Once contracts have been exchanged, you are committed to buying your new home.
- Completion day arrives: your solicitor will transfer the funds to the vendors' solicitors.
- Once the funds have been received you will be able to collect the keys and move into your new home.
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