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First time buyers

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The following are the typical steps in buying a new property:

  • Borrowing check — amount, affordability, how much, deposit, fees and costs budgeted for, applied for credit file, seek a decision in principle
  • Offer accepted
  • Mortgage recommended and application sent
  • Mortgage underwritten — validation checks on property, income & expenditure. More information may be required as a result to satisfy lending requirements.
  • Valuation instructed — mortgage or structural?
  • Mortgage offer obtained
  • Exchange of legal contracts – check that your required protection provisions are in place
  • Completion of legal contracts — funds drawn down from lender

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