House Buying House Buying House Buying
House Buying

The house buying process made simple

Buying a house with a mortgage.

Buying your first home can feel both exciting and a little bit overwhelming… But if you take one step at a time, you’ll find things aren’t as scary as they seem.

This page contains all the steps of buying a home to make the process of buying your house simple and easy.

Get your finances in place

The amount you are able to borrow will be based on your income and the size of your deposit. Knowing how much you can comfortably afford can save lots of time and potentially heartache later on.

Finding the right property

Once your budget is in place, it becomes a matter of viewings and finding the right property. Do your research, online property search websites are a good place to start.

Get approved by a lender

This allows you to supply the agent with evidence of funds, an 'Agreement in Principle', if you're funding the purchase with a mortgage.

Making an offer

Once you have found a property that ticks the right boxes, you will need to make an offer to the seller.

Full mortgage application

Once you've had your offer accepted, we will proceed with a full mortgage application.

Instructing a solicitor

Once the seller has agreed your offer the next step is to instruct a conveyancer to help you with the purchase. They will handle all of the legal work involved and advise you on any issues or concerns they may have around the property.

Mortgage offer

The Lender will review your application and issue a formal mortgage offer if they're happy to lend.

Exchange of contracts

Once all the other steps have been completed, and yourself, the seller, and your respective solicitors are agreed that everything is in order, you will be able to exchange contracts. At this point you will agree a completion date and thereafter the sale is legally binding. Both parties will be required to sign the contract agreement, and you will need to pay your deposit at, or prior to, this point.


On your completion day the keys will be available to collect. Congratulations - you are now the legal owner of your new home.

Making your first mortgage payment

On completion, your lender will write to you to confirm your first mortgage payment date. This is usually within one month of receiving your keys.

Protecting your mortgage

Your mortgage is likely to be the biggest investment you will ever make, so it is important to ensure that you have the right cover in place, to protect yourself and your family should the worst happen.

Free yourself and your family from the worry of paying the mortgage, should the unforeseen happen and give yourself the best chance to recover from an illness with mortgage protection.

Make an appointment to speak to one of our specialist advisers

If you would like a free initial consultation on mortgages, book an appointment with one of our advisers in your nearest branch. Please fill in this form with your details to request an appointment. Please tell us any preferences for dates and times.

Pygott & Crone aim to provide our customers and clients with the best possible safe and secure service, and we are committed to protecting and respecting your privacy. We have a legitimate interest to use the personal information you share with us, to tailor our services to your requirements, and to provide you with the best possible user experience. How we use your personal information, how we may share it, and how long we keep it for is all stated in our privacy policy. By submitting this form you are accepting the terms of our privacy policy
0800 9177404

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.

Stonebow Financial Services Limited is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited who are authorised and regulated by the Financial Conduct Authority.

Stonebow Financial Services Limited. Registered office: 3 Castlegate, Grantham, Lincolnshire, NG31 6SF, Registered in England Number. 09341449

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