Step-by-step process for buying a house in the UK

Here’s a concise step-by-step process for buying a house in the UK:

Save for a Deposit:
- Start by saving for a deposit, usually at least 5-10% of the property’s value. A good place to start would be a government-backed L-ISA – https://www.gov.uk/lifetime-isa
Get a Mortgage Agreement in Principle (AIP):
- Obtain an Agreement in Principle from a mortgage lender to understand how much you can borrow. Get in touch with our team, and we’ll point you in the right direction.
Find a Property:
- Begin your property search within your budget. Use estate agents, online platforms, and property websites.
- A good place to start would be www.rightmove.co.uk
Make an Offer:
- Once you find a property, make an offer to the seller through the estate agent.
Hire a Solicitor/Conveyancer:
- Instruct a solicitor or conveyancer to handle the legal aspects of the purchase.
Property Survey:
- Arrange a property survey to identify any potential issues with the property.
Finalise Mortgage:
- Complete your mortgage application, and the lender will carry out a valuation of the property.
Exchange Contracts:
- Once satisfied with the survey and mortgage offer, exchange contracts with the seller.
Complete:
- Pay the deposit to the seller’s solicitor, and complete the purchase on the agreed-upon date.
Move In:
- Receive the keys and move into your new home!

While this provides a broad overview, each step involves nuanced considerations. Seeking professional advice and guidance ensures a smoother and more informed home-buying experience. For tailored assistance.

If you’re looking for a mortgage, look no further! Get in touch with our team, and we’ll point you in the right direction.

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How to check your current credit score

A good place to start when you have issues with your credit file is to check your credit report.

It’s important to note that while having a good credit score can increase your chances of being accepted for a mortgage, there are other factors that lenders consider as well. These include your income, employment history, debt-to-income ratio, and the size of your deposit.

To increase your chances of being accepted for a mortgage, you can take steps to improve your credit score and address any issues on your credit report, such as reducing debt, making payments on time, and disputing any errors on your report.

If you need further guidance with understanding your credit report, send a copy of your report to admin@gomortgage.co.uk

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   Ogbonge AfricanMama 
 2023-10-11
 
 
  I reached out to Chris on facebook after i stumbled on one of his reels, i wasn't expecting anything positive from Facebook as i had been previously turned down by two major Mortgage Advisers.
Natalie and Shirley took up my case and in a short while got me a high street lender despite the price of the property been raised by  20%.
They carried me along all through the process and i was never left in the dark.
I am a single parent , first time buyer and first time landlord.
They also helped me get the right Legal Advisers and Insurance.
I highly recommend their services.
Thank you Natalie and Shirley.
BR
Gina
  
 
       
   Chris Days 
 2023-10-03
 
 
  Amazing service
  
 
       
   Graham Nicholls 
 2023-09-18
 
 
  Rhiannon supported us throughout the mortgage application process. Very friendly, supportive, and knowledgeable. Highly recommended.
  
 
       
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 2023-09-07
 
 
  Absolutely brilliant service! I cannot fault Chris, Natalie and Shirley. They got us our dream home and supported us through the entire journey!
Thank you!
  
 
       
   Meg Talbot 
 2023-08-11
 
 
  We always thought buying our first house would be stressful, when we found this company through a few Facebook videos we thought we would enquire.  Rhiannon got in touch with us and she talked us through the whole process and sorted so much for us! I would not recommend anyone else she has been amazing and we can’t thank her enough.
  
 
       
   benjamin lee 
 2023-07-25
 
 
  After seeing Chris days facebook reels I got in touch with gomortgage and was contacted by Laura who took some details of what I was wanting .Laura provided an outstanding service and nothing was to much even down to final details she explained everything and chased up the lender looking forward to doing buisness again in the near future. 5 star service would not hesitate to pass details on to any family friends etc
  
 
       
   Meritxell Humbert 
 2023-06-30
 
 
  Very professional service, from the early beginning until the purchase is completed.
Valuable and frequent updates to keep me up to date on the purchase process.
Would recommend 100%
  
 
       
   Russ Bury 
 2023-06-02
 
 
  Chris and Shirley made getting my first mortgage so easy and quick. A very professional, friendly and personal approach. I would recommend them and Go Mortgage to anybody. Easily 5 star service. Thank you. Russ
  
 
       
   Anita Winters 
 2023-05-31
 
 
  Chris and Shirley have been so good in helping us secure a mortgage and guide us through to completion. Always ready to answer any questions we had and very responsive in correspondence. Would highly recommend.
  
 
       
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 2023-05-17
 
 
  We have been very stressed about our housing situation. We came across Laura Thompson. She went above and beyond to support our requirements providing an informative but tailored service for me and my family. We were able to contact her almost any time and she was delightful to talk to. We really appreciate all she has done. Really a great service from Laura outstanding professionalism.  Thank you so much to go mortgage and to LauraThompson!!