Whether you are a first-time buyer or moving home, we are here to help guide you through the home buying process. There are many things to consider when exploring your options before you even start looking for your new home.

As part of our initial appointment, we review the following to ensure you can start looking for your new home:

• A general overview of the home buying process, highlighting key milestones you will encounter to provide an overall understanding of what to expect.

• Exploration of potential buying options based on your individual needs, such as any relevant buying schemes like Shared Ownership or Deposit Unlock.

• Mortgage options based on available deposit amounts and lending requirements, as each mortgage provider has its own set of lending criteria.

• Review of potential costs involved and when these may become payable, ensuring you have allocated the right budget or know where your saving goals need to be set.

• Completion of an in-depth budget planner to understand the future costs of owning your home and ensure the monthly mortgage payments are comfortable.

• Review of potential mortgage deals available, as these can change daily.

Buying a home does not have to be a daunting process; we are here to support you through it. We recommend arranging a mortgage in principle, sometimes referred to as an agreement in principle or a decision in principle, to ensure you are able to offer on a property once the right one becomes available.