Register with Housing Associations and Estate Agents in the area you would like to live and then contact us to discuss your options and get the ball rolling by obtaining an Agreement In Principle.

Once you have found the property of your dreams make a formal offer! (subject to contract) - Contact us so we can get your mortgage fully applied for and we shall advise you of any documentation that is required. If purchasing through a Housing Association we will liaise with them so they are aware of the share you are purchasing.

Your lender will assess your case after receiving all documentation and when they satisfied that you meet their requirements they will arrange a  valuation to be done on the property you wish to purchase.- You may wish to also arrange a more thorough independent survey, for example a Homebuyers report.

Most lenders will send you a copy of the mortgage valuation once they have assessed the report - If the valuation report is deemed acceptable and as long as the lender has accepted your application, they will then issue you with your formal mortgage offer - OR - The lender may agree a mortgage subject to necessary works being done to the property - Obtain several quotes for the work in order to renegotiate the purchase price with the seller - The original valuer will re-inspect the property on completion of the works.

Your solicitor will conduct all the necessary searches before drawing up contracts.