2. Securing a mortgage
Timeline: 2 to 6 weeks
Securing a mortgage is often simpler than it appears. With proper preparation, it can be a straightforward part of your home-buying journey.
You have the option to secure a mortgage before or during your house hunt. Understanding your borrowing capacity early on helps streamline the process when you’re ready to make an offer.
Check out our full mortgage guide here.
There are two main paths to securing your mortgage:
- Going directly to a lender
- Using a mortgage broker
Whichever route you choose, you’ll need to provide information about your financial situation, employment, and some personal details. This helps determine what you can comfortably afford.
While you can’t fully secure a mortgage until your offer is accepted, you can obtain a Mortgage in Principle (MIP) in the meantime. A MIP provides a realistic estimate of your borrowing capacity. While not 100% guaranteed, it offers a solid figure to work with during your property search.
Dummy text
One morning, when Gregor Samsa woke from troubled dreams, he found himself transformed in his bed into a horrible vermin. He lay on his armour-like back, and if he lifted his head a little he could see his brown belly, slightly domed and divided by arches into stiff sections.
The bedding was hardly able to cover it and seemed ready to slide off any moment. His many legs, pitifully thin compared with the size of the rest of him, waved about helplessly as he looked. "What's happened to me?" he thought. It wasn't a dream. His room, a proper human room although a little too small, lay peacefully between its four familiar walls.
A collection of textile samples lay spread out on the table - Samsa was a travelling salesman - and above it there hung a picture that he had recently cut out of an illustrated magazine and housed in a nice, gilded frame. It showed a lady fitted out with a fur hat and fur boa who sat upright, raising a heavy fur muff that covered the whole of her lower arm towards the viewer.
Gregor then turned to look out the window at the dull weather.
Text 1
I believe that space travel will one day become as common as airline travel is today. I’m convinced, however, that the true future of space travel does not lie with government agencies
— NASA is still obsessed with the idea that the primary purpose of the space program is science —
but real progress will come from private companies competing to provide the ultimate adventure ride, and NASA will receive the trickle-down benefits.
Text 2
Look again at that dot. That's here. That's home. That's us. On it everyone you love, everyone you know, everyone you ever heard of, every human being who ever was, lived out their lives.
The aggregate of our joy and suffering, thousands of confident religions, ideologies, and economic doctrines, every hunter and forager, every hero and coward, every creator and destroyer of civilization, every king and peasant, every young couple in love, every mother and father, hopeful child, inventor and explorer, every teacher of morals, every corrupt politician, every "superstar," every "supreme leader," every saint and sinner in the history of our species lived there--on a mote of dust suspended in a sunbeam.
Left aligned
H
Held to order: If your deposit is held to order, we will keep it and transfer that alongside the remaining funds on completion.
Help to buy ISA: A now-closed government savings scheme for first-time buyers that provides a 25% bonus on savings (up to £3,000) when used to purchase a first home. While no new accounts can be opened, existing account holders can continue saving £200 a month until November 2029.
Centre aligned
The Earth is the only world known so far to harbor life. There is nowhere else, at least in the near future, to which our species could migrate. Visit, yes.
Settle, not yet. Like it or not, for the moment the Earth is where we make our stand.
Right aligned
The Earth is the only world known so far to harbor life. There is nowhere else, at least in the near future, to which our species could migrate. Visit, yes.
Settle, not yet. Like it or not, for the moment the Earth is where we make our stand.
Mix
Right
Centre
Left
- Bullet left
- Bullet middle
- Bullet right
Right indent
middle indent
left indent
Bullets
Some text:
- 1
- 2
- 3
Some more text
- a
- b
- c
Some longer bullets:
- I believe that space travel will one day become as common as airline travel is today
- I’m convinced, however, that the true future of space travel does not lie with government agencies — NASA is still obsessed with the idea that the primary purpose of the space program is science
- but real progress will come from private companies competing to provide the ultimate adventure ride, and NASA will receive the trickle-down benefits.
And a final sentence.