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Getting a mortgage

In the previous section you went through all the costs associated with the purchase and ongoing running costs of owning a home to establish how much you could afford.

Now is the time to seek professional advice from a mortgage adviser to start the application process. Make an appointment with an adviser to get advice on the most suitable mortgage type and insurance products for you.

Review our guide to mortgages which outlines different types of products

Allow two to three hours for the mortgage appointment. The adviser will first establish your ability to afford the monthly mortgage payments. This is worked out using a range of affordability calculations.

From time to time we have access to exclusive deals which are only available to EMS and other appointed representatives of First Complete Ltd.  Our advisers will help you to obtain a 'Decision in Principle' from a suitable lender, which will give you the confidence to start looking for a property.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Our initial mortgage consultation is free. We will charge a fee of between £399 and £699 upon mortgage application depending on the amount of research and administration required.