Step by step
to your next home.

Before you can plan your next purchase, you need to know what your current home is worth and how much equity you have available.

• —Contact reputable estate agents in your area for free valuations.
• —Request selling quotes and compare agents on fee, marketing approach, and track record.
• —Calculate the equity available: estimated sale price minus outstanding mortgage balance.
• —This figure, combined with your income, determines your budget for your next home.

Complete a brief online inquiry and we'll review your circumstances, perform the calculations, and present your options.

• —Complete a short online inquiry form — takes under 5 minutes.
• —We review your information and identify the most suitable lenders for your situation.
• —Progress to a full application on our secure online portal: complete the form, upload documents, and track progress.
• —Standard documents required: ID, 6 months bank statements, salary cert, 3 months payslips, and existing mortgage statement.
• —Self-employed applicants also need signed accounts for 3 years and tax clearance.

Once your documents are submitted we present your application to lenders. Formal approval typically issues within two weeks.

• —We identify a lender — or a preferred set of lenders — to meet your needs.
• —Formal approval in principle usually issues within two weeks of a completed submission.
• —Your approval letter sets out the level of finance available, the term, the rate, and any conditions to be met.
• —With approval in hand you are in a position to view and bid on properties.
• —Standard practice: purchases are subject to sale of your existing home completing before closing.
• —We strongly recommend not revealing your approval limit to estate agents.

Contact your solicitor only after mortgage approval and once you have reached sale agreed on a property.

• —Ask for fixed-fee quotes — check whether VAT and outlays (searches, Land Registry fees, stamp duty) are included.
• —Your solicitor will review the title, handle contracts, and liaise with the lender's legal team.
• —We can suggest solicitors offering competitive pricing; choose based on service and reputation.
• —We recommend arranging a structural survey on any property you intend to purchase.

Once both sales are progressing, contracts are exchanged and closing dates are coordinated.

• —Your solicitor receives the booking deposit confirmation and drafts contracts for your existing home.
• —Contracts on both properties are typically signed within four weeks of deposit.
• —You pay 10% of the purchase price (less the booking deposit) to your solicitor on signing.
• —Your solicitor arranges the valuation required by the new lender and forwards it to them.
• —The lender issues a formal loan offer letter once the valuation is satisfactory.
• —We review the financial element of the offer; your solicitor reviews the legal element.

Both transactions complete simultaneously. Keys are exchanged and you move into your new home.

• —Ensure your current home is empty, clean, and ready for handover on the agreed date.
• —Your solicitor receives the remaining 90% balance from the lender and completes the purchase.
• —Keys are handed over and the sale of your existing home completes on the same day.
• —Ensure home insurance on your new property is in place from the date of closing.
• —Cancel any direct debits to your old mortgage lender once the account is confirmed closed.