The mortgage process usually starts with checking your budget, credit report and deposit, then comparing mortgages or speaking to an FCA-authorised broker. You can request an agreement in principle before making an offer, although it is not a final lending decision. If your offer is accepted, submit the full mortgage application and provide documents such as payslips, bank statements and proof of deposit. The lender will carry out affordability checks and a property valuation, while your solicitor handles searches and the contract. Once the mortgage offer and legal work are complete, you exchange contracts and complete the purchase, when ownership transfers and you receive the keys.