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Getting a mortgage

In the previous section you went through all the costs associated with the purchase and ongoing running costs of owning a home to establish how much you could afford.

Now is the time to seek professional advice from a mortgage advisor to start the application process. Make an appointment with a financial advisor to get advice on the most suitable mortgage type and insurance products for you.

Review our guide to mortgages which outlines different types of products

Allow two to three hours for the mortgage appointment. The advisor will first establish your ability to afford the monthly mortgage payments. This is worked out using a range of affordability calculations.

From time to time we have access to exclusive deals which are only available to Your Move and other appointed representatives of First Complete Ltd.  Usually our advisers will then help you to obtain a 'Decision in Principle' from a suitable lender, which will give you the confidence to start looking for a property.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

This firm usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.