Do you know how mortgages work? We have a guide to mortgages which will help but there is no substitute for first-hand information - talk a Reeds Rains mortgage adviser. In the meantime, here’s a quick overview of the what to expect.
When you have an initial appointment with a Reeds Rains mortgage adviser they will review your needs, current circumstances, and look for a suitable mortgage deal for you from a lender.
Agreement in principle
They will help you apply for an agreement or mortgage decision in principle from the lender. (This is confirmation in writing of a lender's expression of intent to provide funding subject to certain conditions being met but it is not a formal mortgage offer.)
When you find a property and make an offer then you will need to make a full mortgage application to the lender. You can find out more in our guide to mortgages.