Buying a UK property

1. Arrange an appointment to speak to a Mortgage Specialist
Just contact us and we’ll book you an appointment at a time convenient for you.

To apply for a mortgage you would need to be:​

• Not currently bankrupt or subject to an Individual Voluntary Arrangement (IVA)​
• Not legally prevented from entering into any form of contract​

2. Mortgage appointment

We’ll look at your personal financial affairs in more detail to establish whether you are eligible for the level of mortgage funding requested. We'll also take details of the property you want to buy or are remortgaging and whether you or any related person intend to occupy the property, even occasionally, at any time during the term of the mortgage. We’ll listen to your needs and provide you with all possible options that meet your circumstances.  ​

We will then start the process with you - we’ll complete your mortgage application with you and then arrange to value your property.​

Please note we cannot provide mortgage advice, so if you do have any specific mortgage questions, we recommend you speak to a financial adviser.

To prepare for your mortgage appointment you'll need to bring the following information and documents with you:

• Details of your current annual income including a breakdown of your last three years' salary or other form of income(s)  ​
• Details of your approximate annual expenditure to estimate your net annual disposable income after normal living expenses​
• Details of your total personal assets including cash deposits, investments, properties and any other assets​
• Details of your total personal liabilities, whether taken solely in your name or jointly with others, including all forms of  loans, credits cards, HP or lease agreements, but excluding mortgages​
• Details of whether you intend to let the property or already do so, and estimated or actual rental income ​
• Details of how you intend to repay the full amount borrowed at the end of your mortgage, given this will be an interest-only mortgage​
• Proof of your ID, such as your passport​
• Proof of your current residential address, such as a utility bill or bank statement

3. Formal offer
Once the valuer has confirmed the value of the property we’ll issue your formal offer, meaning your mortgage has been approved. 

4. Completion

Your lawyer will advise you and ourselves how the net proceeds of the mortgage, after deductions of fees, should be distributed to ensure completion, and let you know when the property is yours.​

If you're remortgaging to us from another lender, we'll liaise with your lawyer to complete the transfer from your existing lender to us.​

The application process will require you to complete an application form, pay a valuation fee in advance and a legal fee upon completion

Other costs you will have to meet include your own legal fees, personal tax advice and stamp duty on the purchase.  Here’s a link to the UK Government’s Stamp Duty Land Tax Calculator which may be useful.