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Mortgage application process

We aim to make buying a home as straightforward as possible

Your home may be repossessed if you do not keep up repayments on your mortgage

A step-by-step guide to help you

We’re here to make it as simple as possible for you to get a mortgage. We’ll do whatever we can to help you. We want you to be able to enjoy the excitement of owning your own home without any of the nasty surprises the process can throw up.

1 – An affordable mortgage

Check out our mortgage calculator to calculate your estimated monthly mortgage repayments.

2 – We’re here to help

Make an appointment with one of our advisors by calling 0800 22 24 26 or by visiting your local branch. The appointment is tailored to your individual circumstances and usually lasts around 2 hours.

3 – Finding the right mortgage

By talking to you and understanding your budget and lifestyle we’ll help you find the best mortgage for your circumstances. Your mortgage adviser can then provide you with an illustration showing you all the important details of your recommended mortgage. They’ll provide you with tailored advice and recommendations for life cover and for life and critical illness cover to protect your home and your lifestyle. You’ll also receive a personalised home contents insurance illustration. Make sure you have agreement in principle (AIP) before you make an offer on a house. This states how much the mortgage provider is prepared to lend you, subject to approval of the property.

You may want to discuss mortgage protection insurance with an advisor. This insurance could help with your mortgage repayments if your income has fallen due to an accident, illness or redundancy. You may want to consider taking insurance out when you agree your mortgage but make sure you discuss this with a financial adviser to get advice on whether this product is suitable for you.

4 – Make an offer

Put in an offer on your chosen property. In Scotland all formal offers for property must be submitted by solicitors.[1] In England and Wales the offer has to be made through an estate agent.[2] If your offer’s accepted then contact your mortgage advisor and complete your application.

5 – Securing your dream home

You’ll receive a copy of the offer letter and a copy will be sent to your solicitor to allow them to complete the purchase process.

6 – Enjoy your new home

Celebrate! It’s yours.

You can then arrange with your solicitor to pay the deposit and arrange your moving in date. On the completion date, your account will be opened and the funds released. And you can start to enjoy your new home.

To apply for a mortgage you’ll need to bring:

  • Your bank details
  • Proof of your gross annual income
  • Your last months' salary slip or 4 weeks' wage slips
  • Evidence of your deposit
  • If you're self-employed, you financial accounts for the past two years
  • Details of any outstanding loans, credit cards or other finance
  • Photographic proof of ID (e.g. driving licence, passport)

Once you’ve read our step-by-step guide for the mortgage application process, look at any of the other articles on our site that can help fill in any gaps in your knowledge. Then you’ll be able to look forward to buying your home with confidence.

Sources:
  1. The Law Society of Scotland, May 2015 (opens in a new window)
  2. This is MONEY, June 2014 (opens in a new window)

More help with mortgages

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Financial considerations of home ownership

Make sure you’re aware of the costs of buying a home and how many factors can influence the mortgage rate you get.

Find out more on financial considerations

Keys to new home

First time buyer tools and guides

We’re here to help make your first time with mortgages easier by helping you make sense of it all.

Find out more about first time buyer tools and guides

North Queensferry

Buy-to-let mortgages

If you’re thinking of buying a property as an investment there are a few important things you need to be aware of.

Find out more on buy-to-let mortgages


Online enquiries

Complete our online enquiry form and one of our advisors will be in touch to discuss your mortgage requirements and available options.

Online mortgage enquiry

Live chat

Got a question? Our advisors are available through live chat to help you find the answers.

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Speak to an advisor

Get in touch to discover how our advisors can help you live where you love.

Call us to speak to an advisor about a query or to apply for a mortgage.

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