The house buying process

There’s a lot to think about when looking for a mortgage. We’re here to help; our guide on understanding different types of mortgages is a great place to start.

Stamp Duty Land Tax is a payment to the Government to obtain a Certificate of Land Ownership from the HM Revenue & Customs. It states that the land on which your new property sits is legally and officially owned by and registered to you.

If you have saved enough money in your Lifetime ISA (LISA) and you’re ready to get your first home, we’ve created a guide to help make your first step onto the property ladder as seamless as possible. 

Some parents and family members choose to provide younger generations with some, or all, of the deposit money that they need to buy their first house. Read our guide on what to consider when it comes to gifted house deposits.

Our affordability calculator is a quick and easy way of seeing how much you may be able to borrow from us, before you speak to one of our qualified Mortgage Advisers.

Moving home can be costly, that's why it’s important to budget for all costs. Use our average cost of moving house guide to help you plan for your move.

Mortgage in Principle, Decision in Principle and Agreement in Principle: there are lots of terms for the same thing. Our guide will help you understand the process of getting a Decision in Principle.

How do you put in an offer, and how much should you offer for the best chance of being accepted? Our guide will explain the process of making an offer on a house.

Most potential homeowners can expect to wait around a month or two to get a mortgage, as long as the application is straightforward and there aren’t any issues with their file. Read our guide to find out more information. 

With your offer accepted, and your mortgage approved by your lender, you can begin the process of getting into your new home. But there are some key steps to think about in order to make that process as smooth and as simple as possible. 

Many homebuyers are unsure whether they need a solicitor or if they can save themselves a little extra cash by going without. In our guide, we explain whether you need a solicitor when buying or selling a house.

Even when you’ve fallen in love with a property, it’s natural to wonder whether you’re making the right choice. This is where paying for a home buyers survey can be really helpful. 

Renegotiating on an accepted offer can seem quite daunting, which is why we’ve created this simple guide to help.