Buying in the UK

Stage 1

Choosing the right mortgage

Once you have found a property we agree a mortgage in principle.

This informs you of how much money the lender is likely to offer you and the interest rate that you will pay

Stage 2

Making An Offer

The next step is to make and offer through an estate agent. However we are always happy to assist.

Stage 3

Organise A Solicitor

The solicitor will handle the legal work for the property, Harborough Mortgages can make trusted recommendations to you and arrange for competitive quotations and peace of mind

Stage 4

Valuation & Survey

This is carried out by the lender to make sure the property is worth the price that you are paying before they approve the mortgage. It is not extensive survey, and will not identify all of the potential repairs or maintenance that may be needed.

Stage 5

Finalise your offer & Mortgage

Stage 6

Exchanging Contracts

You will receive the contract from your solicitor to sign and complete the sale.

Once you have exchanged contracts you will need to acquire building insurance to cover the structure of the property.

Harborough Mortgages will go through all your insurance options to ensure that you are fully covered and protected.

We are not tied to any particular insurance company.

Stage 7

Completion & Transfer Funds

You will receive the contract from your solicitor to sign and complete the sale.

Once you have exchanged contracts you will need to acquire building insurance to cover the structure of the property.

Harborough Mortgages will go through all your insurance options to ensure that you are fully covered and protected.

We are not tied to any particular insurance company.

Stage 8

You are the owner of your new home