Where are you
on your journey?

Budget for legal fees, surveys, moving costs, any applicable property tax and ongoing household bills. Jack can help you explore your mortgage budget.

Documents commonly include ID, income evidence, bank statements and evidence of your deposit. Requirements depend on your circumstances and lender.

An agreement in principle can support your house hunting, but it is not a mortgage offer or a guarantee of approval.

Think about the property’s condition, ongoing costs and whether it suits your plans. In England and Wales, an accepted offer is usually subject to contract.

Jack helps with the mortgage recommendation and application. Your legal representative starts the purchase paperwork. These activities can happen alongside each other.

Consider arranging your own survey to assess the property’s condition. A lender’s valuation is not a substitute for a survey. Your conveyancer handles searches and enquiries.

Review the offer, its conditions and expiry date with Jack. Legal work may still be continuing, and any outstanding requirements must be addressed.

Confirm the required deposit and costs, agree the completion date and check buildings insurance arrangements with your conveyancer. Discuss suitable life cover, critical illness cover and income protection with Jack before this stage where possible; these are separate from buildings insurance.

Your conveyancer handles the exchange and confirms the agreed completion date. Prepare for your move.

Once completion is confirmed, you can move in. Take meter readings, update your address and enjoy your new home.