Step 1
Step 1: Should you move home?

Moving home is a big decision. This section helps identify some of the key questions you should ask yourself early on before you decide whether moving home is right for you.

Step 2
Step 2: Buying options

There are a number of ways you could buy a home, with someone else, for example, or using one of several schemes run by the government.

Step 3
Step 3: Understanding mortgages

There are many different types of mortgages and ways to repay them. In this section you’ll find a refresher on the fundamentals.

Step 4
Step 4: Budgeting, eligibility and costs

Before applying for a mortgage find out whether you qualify and how much you may be able to borrow as well as some of the costs.

Step 5
Step 5: Looking for a home

Looking for your next home is easier when you know what you want from the property and surrounding area. There are some useful checklists in this section to help you get started.

Step 6
Step 6: Making an offer

When you've found your perfect home it's time to work with a solicitor or conveyancer on all the legal details of buying.

Step 7
Step 7: Applying for a mortgage

You can apply online, by phone or in branch. There are a few key things to know about here, including valuations and surveys.

Step 8
Step 8: Exchanging and completing

You’re nearly there. In this section we look at the final part of the journey which includes the mortgage offer and contracts.

Step 9
Step 9: Moving

Take care of the vital details as you get ready to move into your new home. This section will guide you on what to do before you move and on the moving day itself.

Mortgages made simple videos
If you want to know more about buying a home or how easy it is to apply online, our mortgage videos are a great place to start.
Jargon buster

Important Information


All applications are subject to status and our lending criteria. This means that the amount we’ll lend you will depend on your individual circumstances, the type of property and the amount you borrow. For example, we may require a bigger deposit if you’re buying a flat or new build property.