First time buyer!

CrazyC_3

Hello,

I am planning to buy my first house with my boyfriend this year :j, between us we have a decent wage and in a couple of months we will have our 'chosen' deposit--I need advice on how to approach the whole mortgage application/house hunting.

We have seen one or two suitable properties from internet searches but have purposely NOT been to view any houses yet until we are certain our deposit is met--but how to progress to the next stage? are we best approaching our chosen advisor (after MUCH research) and applying for a mortgage firstly (or getting advice on how much they are willing to lend us?) OR do we view properties first and make an offer and then approach a mortgage advisor to set up a mortgage?

This may be a simple question but I would really appreciate opinions of what to do for the best.

Thank you in advance for your comments :T

CLAPTON

no real reason for an 'advisor' unless you have specific problems

you know your target purchase price
you know your deposit
you know your LTV ratio

you can look up mortgage companies on the internet (e.g. nationwide etc) and try out their mortgage calculators

worth visiting your best mortgage provider to see what they say that's specific to you

once you have an idea then go see some actual properties

CBR600F_2

1. Acquire an agreement in principle;
2. View homes;
3. Make offer;
4. Have offer accepted;
5. Apply for mortgage;
6. ???
7. Profit.