Below is a guide to the mortgage process in the context of the house buying process as a whole:

1. Establish an amount of borrowing with which you are comfortable.

See CMG Independent Mortgage Brokers who will source mortgage options for you and give you advice on how much you can and should borrow.

2. Look for a property.

Visit estate agents such as halfapercent.com or look in local publications or browse the Web.

3. Make an offer to buy which is accepted.

This, of course, will be subject to completing contractual details and survey.

4. Complete a mortgage application.

With help from CMG this will be as stress free as possible. A dedicated adviser will guide you through the process and the information that is required.

5. Instruct conveyancing solicitors

Halfapercent recommend Yugin & Partners.

6. Lender will undertake relevant underwriting and instruct a survey.

Lender needs to check that the property is suitable security for the mortgage

7. Solicitor liaises with your vendor's solicitor and contracts are prepared.

There are tasks your solicitor has to undertake including Local Authority Searches, checking Tenure and preparing for exchange.

8. Offer will be made in writing to you, your solicitors and your adviser.

Lender agrees your mortgage application and sends the relevant parties an "offer of loan" letter.

9. Solicitors exchange contracts

A deposit is paid to the vendor via your solicitor. A legally binding agreement is now in force and both parties are committed to buying/selling the property.

10. Completion

The house keys are handed over, fees are paid to your solicitor and you can legally say you own your new home (except for the charge the lender has against the property!).

Please enter your details into the form below, and you will be contacted by a professional & regulated mortgage adviser from CMG will call you back:

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Head Office: Capital Management Group Mortgage Brokers, Times Square - Mellon Financial Centre, 160 Queen Victoria Street, London, EC4V 4BD. UK