Work Desk

Here you will find some useful information and downloadable guides

 

The Process

Here is our simple, step by step process guide for purchasing a property. You may not always follow each step exactly as shown, but our mortgage experts will always be on-hand to help guide you through the process from start to finish.

Speak with a professional mortgage adviser

If you are considering the purchase of a property, you should always seek advice from a qualified mortgage adviser. They will guide through the process and make a recommendation based your preferences and affordability. This is always a great first step to ensure you can view properties with confidence.

2.

Obtain a decision in

principle

A decision in principle is the first step to getting a mortgage. At this stage, lenders will evaluate your finances and credit history to be sure you can support the mortgage. Once agreed, you can then move to the next step of the process. The decision is not a guarantee of a mortgage, as you are still subject to underwriting and a valuation on the property, but it is definitely a positive step.

3.

Make your offer on the property you desire

Now you have approval for the mortgage, you can start to seriously consider the properties you want to buy. Once you’ve found the one, you can make a formal offer to the agent who is selling the property and provide your agreement in principle to show that you are able to proceed. If your offer is approved, let your mortgage adviser know.

4.

Submit your mortgage application

Your adviser will now review the mortgage and protection options again and once you are happy, will submit the application to the lender on your behalf. During the application process, there may be some fees payable, such as the cost of a valuation. At this stage, your adviser can instruct a conveyancer on your behalf, if you haven't appointed anyone.

1.

5.

Mortgage underwriting and Valuation

At this step of the process, the lender will review all your information to make a formal decision on whether or not to offer the mortgage. You will need a valuation to be carried out, which the lender will arrange, but you can upgrade this if you would like a more in-depth report. This process can take anywhere from a couple of days to a couple of weeks, but you should be kept up to date with the progress throughout.

6.

Mortgage Offer

This is a really exciting step for any buyer and a positive step closer to owning the property, as the mortgage provider has agreed the requested loan. You’ll now be provided with an offer document and copies will be sent to all the relevant parties. The mortgage offer will generally be valid for 3 to 6 months and can usually be extended if required.

7.

Conveyancing 

Behind the scenes your chosen conveyancer will be doing all the legal searches on the property, liaising with your lender, our team and the vendor’s conveyancer. They provide a hugely important part of the process, so it’s always best to choose someone you can trust. If you are unsure about which conveyancer to use, please let us know and we can recommend someone from our trusted network.

8.

Exchange, Complete, Move  in.

The exchange of contracts is the final commitment when purchasing your property and usually only takes place when the whole chain is ready and all legal work is complete. You’ll agree a completion date, which can be simultaneous or at a later date, and then finally you complete! This is when you pick up the keys to your brand-new home.

 

Useful Information

These guides are free to download and will give you more information about different aspects of buying a property.

Right to Buy

Stamp Duty

Survey's Explained

Buy to Let Stamp Duty

Shared Ownership

Freehold vs Leasehold

Help to Buy Equity Loan

Conveyancing Explained

*These downloads are provided by SortRefer. Our conveyancing partner*

Useful Links

It's always best to speak to a qualified adviser, however if you would like some more information, we have provided below some useful links to The Money Advice Service and our utilities provider.

 

STAMP DUTY

This easy to use calculator will show you how much stamp duty would be payable. Stamp duty is the tax you pay when buying a property.

AFFORDABILITY

This link will take you to an affordability calculator. It won’t be 100% accurate, so we recommend that you speak to us, but it's handy for a quick reference guide.

UTILITIES

Visit our dedicated Utility Warehouse partners page to find information about how they can help with your bills.

MONEY ADVICE

SERVICE

This link will take you to the Money Advice Service. This service is government backed and unbiased. You will find plenty of useful tools and information to guide you with money matters.

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Our postal address

Robin Mortgage Design

22 South Street

Castlethorpe

Milton Keynes

Buckinghamshire

MK19 7EL

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE REPAYMENTS ON YOUR MORTGAGE

The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.

Not all forms of mortgage lending such as certain Buy to Lets are regulated by the Financial Conduct Authority along with some additional related services, such as Conveyancing. A full disclosure document will be provided to you.

If you are considering securing additional debts against your home: Think carefully about securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

Some links on this website will take you to third party websites. Robin Mortgage Design have no control over and are not responsible for the content of other sites.

*some services are by provided as a referral to a third party company. No personal information will be shared with such companies without your prior permission. Robin Mortgage Design have no control over these companies and cannot be held accountable for their service or advice.

Robin Mortgage Design is a trading style of Robin Partnership Ltd whom is an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority.  The registered Office of Robin Partnership Ltd is 22 South Street, Castlethorpe, Milton Keynes, Buckinghamshire, MK19 7EL. For more information please refer to the FCA register https://register.fca.org.uk

 

Robin Mortgage Design charge a broker fee which is only payable on mortgage offer. The precise amount will depend upon your circumstances however a typical fee is £395.00 and the maximum that could be charged is £1,495.00