Practical preparation

The mortgage process

A practical overview of the steps from an initial conversation to completion.

1. Discuss your plans

Explain the property you have in mind, your budget and your preferred timescale.
Tell your adviser about your income, commitments and any circumstances that may affect an application.

2. Prepare your information

Ask for a document list tailored to your circumstances.
Check that identification, address history and income evidence are current.
Use the secure client portal when sharing sensitive documents.

3. Review the options and costs

Ask your adviser to explain the recommended option, interest rate, fees and repayment structure.
Discuss early repayment charges and any costs of changing your mortgage.
Read the documents provided and ask about anything you do not understand.

4. Application and assessment

The lender reviews your application and supporting information.
A valuation and any further checks may be required. A valuation is not a detailed property survey.
An agreement in principle is not a guaranteed mortgage offer.

5. Offer and completion

Review the mortgage offer, conditions and expiry date with your adviser and conveyancer.
Your conveyancer handles the legal work and coordinates completion.
Keep relevant records and note when your initial mortgage deal ends.

General preparation information, not personalised mortgage, tax or legal advice. Document requirements depend on your circumstances and the lender. Speak to your adviser for a tailored list.

Discuss your plans →