Compare the total cost of each deal, not just the headline rate, including fees, early repayment charges and whether it is fixed, tracker or variable. Before applying, check your credit reports, deposit, income, regular outgoings and the documents you will need, such as payslips and bank statements. You can request an agreement in principle from a lender or an FCA-authorised mortgage broker, followed by a full application, affordability checks and a property valuation. Rates and approval are not guaranteed until the lender makes a formal offer, so check current guidance from MoneyHelper and consider regulated advice for your circumstances.