First Time Buyers

First Time Buyers

Stage 1 – Budget

Work out what payments you are comfortable with.
(We can help you in this area)

Stage 2 – Finding a property

Register with local estate agents and the various property finding websites as well as keeping an eye on newspaper property sections.

If you think you’ve found the house for you contact us on 01924 865 644 from 8am – 9pm, 7 days a week, to let us help you onto the next step.

Stage 3 – Making an offer

You have got your mortgage approved, found the right house, now is the time to take the plunge and put forward an offer to the Estate Agent.

Stage 4 – Applying for your mortgage

This is the stage where you will generally pay fees to the lender for a valuation on the property.

Proof of identification and payslips will be required and upon approval of your application from the lender they will issue you with a mortgage offer. Once this has been signed and returned this is a binding agreement for the lender to lend you the money subject to you meeting their terms and conditions as set out in the mortgage offer

(This can be such as a satisfactory valuation on the property).

At Mortgage Solutions we can help you with all the associated insurances and will see you on a separate appoint to discuss these options (See MS insurance for the range of products).

You are now ready to exchange contracts and complete the purchase.

Stage 5 – Exchange of contracts and completion

When both parties are happy (Buyer and Seller) with the contract copies are signed and sent to each others solicitors. The sale is now legally binding and should either party back out after this compensation is payable.

This is the point when you pay your deposit money to your solicitor. This is non refundable if you back out of the sale. Completion can now take place and you can collect your keys – Home at last.


Mortgage Solutions Barnsley Limited is an appointed representative of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Your home may be repossessed if you do not keep up repayments on your mortgage!

We can charge a fee of up to £495 on offer of the mortgage. However, we reserve the right not to charge a fee. The information on this website is subject to the UK regulatory regime and is therefore targeted at consumers in the UK.