Get an Agreement In Principle

An Agreement In Principle is the most important step in the house buying process.

The Agreement in Principle is an indication from the lender as to how much you could borrow, allowing you to understand the value of homes you can afford.

How to get an Agreement In Principle? Contact us today and we’ll do it for you!

House Hunting

Now you’ve got your Agreement In Principle, you can start the house hunting process.

Once you have found the house you like, contact the estate agents and put your ‘Offer’ in then let us know as soon as its been accepted.

Mortgage Offer

Congratulations! You’ve had your offer accepted on the house of your dreams!

Now we deal with the rest, we will apply for the mortgage and instruct your solicitors to start the legal work.

To get your ‘Mortgage Offer’ the lender will need to check all your documents and complete a valuation on the property you want to buy.


Conveyancing or often referred to as the ‘legal side’ of the house buying process is the final step.

Your conveyancer do searches on the property and raise any queries with the sellers (vendor) conveyancer. Once this is complete then you can set a date to get your keys!


Putting it simple, it’s one of the largest debt you will ever have and do you want to mess it up? No!

A mortgage is a loan taken out to buy a property or land. The loan is ‘secured’ against the property or land until it has been paid off. Failing to keep up with your repayments means the lender can repossess it (take it back).


There are 1000’s of mortgage deals out there and not all of them will be right for you. A mortgage broker like us, ABC Mortgage Solutions, can search our panel of over 50 lenders quick and efficiently using our expertise to find the right deal for you and your needs.

We understand that navigating the mortgages market can be intimidating and time consuming, so at ABC Mortgage Solutions, our team of expert advisers really do make it as easy as A, B, C. We’re on hand 7 days a week to ensure you get the right mortgage or personal protection plan for you. With many providers out there, it’s not easy. If you’ve been declined by high street lenders already, or are new to the market, don’t panic, let us utilise our expertise and find you the solution.


When applying to a lender they will want to know about your income, expenditure, deposit, credit history and property.

Are you Employed, Self Employed, Retired or a Homemaker?

A lender will want to know what money you receive each month/year and will want to see payslips, accounts and/or bank statements to back it up.

Have you got loans, hire purchase, finance, credit cards, store cards etc….

A lender will want to know which ones you have, how much you owe on them, how much you pay off them each month and what do you intend to do with them (pay them off or keep them ongoing.) The lender will then check these against your credit file.

To buy a house you need a deposit, this can come from your personal savings or a close family member.

Please note: If you are getting your deposit from a family member then your family member will have to provide evidence of the funds when requested.

Credit History
Do you have any adverse credit history? (Late payments, missed payments, CCJs, Defaults, Debt Management Plan, Bankruptcy Orders).

A lender may refuse your mortgage application depending on your credit history or they may ask for a larger deposit. We have a large panel of lenders who can meet most adverse credit needs.

Please note: If you have adverse credit, ABC Mortgage Solutions may ask for a copy of your credit file.

The property can determine whether a lender will borrow you the funds to purchase the property or not. Lenders will look at a number of factors to determine whether they will lend on your desired property.

Is the property a House or Flat, is it Freehold or Leasehold, is it Standard or Non-Standard construction? These are some of the questions lenders will ask.

The documents required will depend on the lender and they can request additional documents if they feel like it.
Proof of Identification (Drivers Licence, Passport etc)

Proof of Address (Council Tax, Utility Bill, Bank Statement etc)

Proof of Income (Employed = Latest 3 Months Payslips, Self Employed = Latest 2 Years Accounts, Retire = Latest Pension Statement)

Proof of Expenditure (Latest 3 Months Bank Statements)

“Where do I start?”

When buying your first home, it can seem confusing, daunting and stressful but here at ABC Mortgage Solutions, our aim is to keep it ‘As simple as A, B, C’….

More then likely you are wondering whether to contact your bank first to see if they can offer you a mortgage? STOP! Contact us and let us provide you with a no obligation quote first.

We provide mortgage and protection advice, making clear a recommendation based on an in-depth understanding of your requirements.

We’re flexible in how we operate and can provide our services via face to face, over the phone or via video, and as we’re open 7 days a week, we’re able to fit in around your schedule and lifestyle, to make the process as hassle free as possible.

Our advisers talk in terms you’ll understand, supporting you from start to finish. To see how we can help you, get started and get in contact with us today!