Home Buying Guide
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Completing Your Property Deal
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Speeding up your mortgage application

Your lender needs to make certain checks before agreeing to your loan. If you talk to them nicely you may be able to find out how you can speed this process up.

A simple example is the employers' references. A call from you to your boss or personnel dept can get them to turn around the lender's request for earnings confirmation much more quickly.

If you're leaving another lender they may well drag their feet so your new lender may be happy just to see your old mortgage statements… Ask them.

But are you really in a hurry?

If you're getting a mortgage to buy a new home, you probably should be in a hurry. You want to buy it before someone else does.

But the question to consider is: how quickly do you have to move as opposed to how quickly do you want to move.

This may depend largely on the sellers: Are they desperate to get things completed? Or is their new home stuck in a slow moving chain?

If their purchase falls through, and you've sold your own house, it could mean you end up having to pay expensive rent for months.

So while it's usually a race to buy your home, remeber that it's usually a long distance one and perhaps it's a good idea to pace yourself.

If you get caught out and need to buy your new home before you've sold your old one you could revert to a bridging loan, but - like short-term accomodation - these are expensive. Click here to read more about bridging loans.

(If you want to speed up your application see above)

To read more on this subject please see the list below or your mortgage guide or your home buying guide

Read enough? Just want a quote? To get your best mortgage quote quickly and easily we can put you in contact with a recommended mortgage adviser. It's free, completely confidential and there's no obligation at all. Simply fill out the form below

Value of Property £   (eg 125000) Borrow How Much? £ (eg 92500) Your Mortgage Type    - please select - Re-Mortgage Purchase Buy to Let Overseas   First time buyer? Yes No Have you found property? Yes No Country   - please select - Andorra Australia Bahamas Barbados Belgium Belize Bulgaria BVI Cayman Islands Cyprus Canada Dutch Antilles France Greece Ireland Italy Jamaica Malta Mexico New Zealand Poland Portugal Spain St. Lucia Switzerland Trinidad & Tobago Turks & Caicos USA Other.. Sorry ! The amount you want to borrow is less than £25,000. This is the minimum allowed for a mortgage. But don't worry! You could get the money via a personal loan. I want a free no obligation loan quote Click OK No thanks. I will change my borrow amount to more than £25,000 Click Cancel

Completing Your Property Deal

Introduction

Be prepared for weeks of frustration

Get ready to hassle

How to get organised

What causes delays

Speeding up your mortgage application

But are you really in a hurry?

Exchanging Contracts and Completion

Your Home Buyer's Guide Full Contents

Home Buyer's Guide.

Save time money and effort with all the latest tips and trade secrets.

We tell you everything you need to win the race for that dream home... how to get your seller's Estate Agent onto your side... how to get properties for a 30% plus discount.. how avoid being gazumped at the last minute and more.

Click on your chosen subject below to access this invaluable FREE information.

Please note, this information is NOT necessarily RELEVANT in Scotland

An outline of the process

Know your enemies

How to Find Your New Home / Property

Making the offer

Conveyancing

Costs of Buying a Home

HOME BUYER TIPS