Buying a Home

We’ll find the right mortgage deal for you in just a few simple steps

Speak to our experts

OR

Complete your mortgage
online

Here at Breeze we make getting a mortgage as easy as possible. Simply apply online and we’ll be in touch to discuss the details of your perfect residential mortgage or you can give us a call on 01225 258900.

Residential Mortgage Best Buys

How much can I borrow?

How much will my mortgage cost?

Loan to value calculator

Buying Home Mortgage Guide

1. Getting started

The first step is speaking to one of our friendly mortgage experts either by calling 01225 258900 or completing our online enquiry form to get set up on our system. We will ask about your income as well as outgoings to then help explain your maximum borrowing potential with different lenders, so please have payslips to hand if you are employed for example.

Breeze Top Tip:

Make sure your current address is up to date and correct on your payslip, bank statements and driving license. This will help the lender correctly identify you and reduce additional document requests.

saving to buy a home

2. Let’s look at your deposit

Now we have a good idea about how much you can borrow, let’s add in your deposit. This can come from a number of sources but typically will be your own savings. Remember, you can buy a home with as little as a 5% deposit! The amount of deposit you have will impact the mortgage interest rate. A good rule to follow is: the bigger the deposit the better the rate.
saving money

3. Consider the cost

Based on your incomings and outgoings, we can help you calculate what you can spare each month towards mortgage repayments. We will also discuss the different types of fees you can expect to pay when buying your dream home such as arrangement fees, valuation fees and legal costs.

mortgage application

4. Decision in principle

After we’ve discussed what you can borrow and potential options, we can then provide you with a Breeze registered Decision in principle certificate. You can then use this with estate agents to put that all important offer on the property. At this stage you know what you can afford, plus you have the backing of a certificate which has qualified you and will reassure estate agents that you are a serious buyer. Remember this is not a lenders credit score at this stage, but an initial consultation.

5. Finding your home

The search is now on! With your budget set and mortgage agreement, you are now ready to find your ideal first home.
mortgage broker

6. Application

Your offer has been accepted on your ideal property, now it’s time to choose your mortgage product. There are a variety of mortgage options to choose from, but here at Breeze we will work with you to understand your unique circumstances so we can advise you on the best product that will suit you and your family’s needs.

If you approach your current bank for advice on good mortgage deals, they are likely to only suggest their own rates. At Breeze however, we will compare offers from across the market – helping find the best possible deal for you.

Breeze Top Tip:

You need to instruct a solicitor/conveyancer to assist you with your purchase. Not every solicitor is authorised to work for every mortgage lender so we will discuss this with you before submitting your application. If you need help with choosing a solicitor, we can recommend one for you to use

Mortgage application form

7. Submitting your full mortgage application

We can then submit your application to the lender. We will also then send any necessary supporting documentation to allow the underwriter to assess your case. Your new lender will be assessing both you and the property (by way of a valuation) before issuing a mortgage offer. We will liaise with the lender during this time to make the process as smooth as we can for you.

buying a home

8. A mortgage offer is made!

Once your mortgage offer has been issued, you should double check the information the lender sends you and make sure everything is as expected before you move towards completion. If you’re unsure of anything, please contact one of our friendly experts to help you.

Your appointed solicitor will now work with you to arrange to exchange contracts and discuss your completion date, the day you formally own the property and get the keys!

Let's get you started on your mortgage journey today.

See the deals you qualify for & how much you could borrow by either calling us or completing our online enquiry form.
mortgage advisor