Home-buying journey
From first calculation to collecting the keys.
Every purchase is different, but understanding the usual stages makes the process easier to manage and the next decision clearer.
Book an initial callFive stages
Know what comes next.
Some stages overlap, and timescales depend on lenders, conveyancers, the chain and the property itself.
- 01
Prepare
Discuss your plans, income, commitments, deposit and likely buying costs. Gather the documents you will need.
- 02
Get mortgage-ready
Review affordability and, when appropriate, arrange an agreement in principle before serious viewings.
- 03
Find your home
Make an offer with a realistic budget and appoint the conveyancer and surveyor you want to use.
- 04
Apply
Receive a recommendation, submit the mortgage application and respond promptly to lender requests.
- 05
Offer to completion
Work through the valuation, legal enquiries, exchange, insurance arrangements and final completion.
Start with a conversation
Tell me what you are hoping to achieve.
No pressure and no unexplained jargon—just a clear first conversation about your position and the next sensible step.