Buying a house is by far one of the most important financial decisions you will ever have to make which is why we will certainly endeavour to make it as straightforward for you as possible.

Before searching for your ideal property we would advise that you should speak to one of our experienced Mortgage Advisers so that they can tell you the type of property that is affordable to you and perhaps agree a Mortgage in Principle. When considering taking on a Mortgage you need to think about your total monthly income less your monthly expenses.

Once you have decided on the property to purchase we will be able to advise you on all costs involved in buying a house such as Survey Fees, Solicitors Fees and Stamp Duty and any other charges which may incur. When you have been successful on bidding on a particular property and your offer has been accepted you will then need to speak to your Mortgage Adviser again to make arrangements to apply for your Mortgage.

When an Offer Letter has been issued your next step will be to make arrangements to put Insurance in place. This would be initially Buildings and Contents, Life and Mortgage Repayments to cover you if you are off work due to illness or if you are made redundant.

Your home may be repossessed if you do not keep up repayments on your mortgage.