We will gather some information about you and the property you want to purchase. This can be done by in a face to face meeting, by telephone, or by completing our online enquiry form.

Once we have identified your specific requirements we will make our recommendation to you, arrange for completion of the appropriate forms and collect the documentation required by the lender, such as, P60's, payslips, bank statements, mortgage statements and any valuation or application fees payable.

Your application will then be submitted to the lender for processing.

The lender will carry out a credit check and make other enquiries they feel necessary in order to progress your application, such as, send for employers references, existing lenders references and landlords references.

A valuation will then be carried out to ensure that the property's value covers the loan you require and to identify any potential problems such as dampness, structural problems, etc.

Once all the lenders' enquiries have been satisfied, they will issue a written offer of the loan which means that they are prepared to grant you the mortgage you require.

Once your solicitor is happy that all the conditions of the mortgage offer have been satisfied and that all other parties in the chain are in a position to proceed, contracts are exchanged which is the point at which you secure your new home and a date for completion is set.

Your solicitor will then complete the transaction and you can move into your new home.

Remember: Don't leave it until you have found your new home before you enquire about your mortgage. You may not be able to borrow the amount you require.