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Homebuyer Mortgages

Navigate your home-buying journey with ease.

Expert mortgage guidance tailored for you. Simplify your path to homeownership.

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Your path to home ownership

title-iconPurchase process

1.  Save

Your first step involves financial planning. Save enough for the initial deposit, stamp duty, solicitor fees, and other related costs. If you haven’t already, open up a LISA. Obtain a Mortgage in Principle from a Better to find out how much you can afford to borrow.

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title-iconPurchase process

After setting your budget, start looking for your ideal home through estate agents or online. Attend multiple viewings and shortlist your favourites.

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title-iconPurchase process

3.  Offer

Once you find a property you like, make a formal offer via your estate agent. If accepted, you're ready to make a mortgage application. It’s important to understand the market to make sure you don’t overpay. We can help.

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4.  Mortgage

Apply for a mortgage through a consultation with one of our expert advisors. Consider additional surveys like a homebuyer’s report or a building survey.

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title-iconPurchase process

5.  Exchange

After getting your mortgage approved and meeting any conditions, exchange contracts with the seller. This is legally binding, you'll pay the agreed deposit and set a completion date.

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Important info & marketing claims

You may have to pay an early repayment charge to your existing lender if you remortgage. Your savings will depend on personal circumstances. Your home may be repossessed if you do not keep up repayments on your mortgage. We can't always guarantee we will be able to help you with your mortgage application depending on your credit history and circumstances. Average mortgage decision and approval times are based on Better.co.uk's historic data for lenders we submit applications to. Tracker rates are identified after comparing over 12,000 mortgage products from over 100 mortgage lenders. As of January 2023, Better.co.uk has access to over 100 lenders. This number is subject to change. For buy-to-let landlords, there's no guarantee that it will be possible to arrange continuous letting of a property, nor that rental income will be sufficient to meet the cost of the mortgage.