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What Happens Next?
Your step-by-step journey from first contact to moving into your new home
Caveat
Shared ownership, made simple.
No Surprises. No Pressure.
We know the mortgage process can feel overwhelming, especially if you are buying your first home. Here is exactly what to expect when you get in touch with us. No hidden steps, no confusing jargon.
Your Journey With Us
1. We Will Call You Back
One of our team will phone you at a time that suits you. We will have a friendly chat about what you are looking for and answer any initial questions.
What to expect:
A relaxed, no-pressure conversation
We will listen to your situation first
No jargon. Just plain English.
2. Your First Consultation
We will arrange a consultation by phone, video or in person. This is where we really get to understand your circumstances and what you are hoping to achieve.
What to expect:
Questions about your income, outgoings and savings
We will explain Shared Ownership if it is new to you
Honest guidance on what’s realistic for you
3. We Will Assess Your Options
We will research the mortgage market on your behalf and prepare recommendations. This includes checking which lenders are available to you and what rates you might access.
What to expect:
A clear breakdown of what you can borrow
Estimated monthly costs (mortgage + rent)
Different scenarios based on your share percentage
4. Decision in Principle
Once you are happy with the recommendations, we will apply for a Decision in Principle. This is mortgage pre-approval that shows you are a serious buyer.
What to expect:
We handle the paperwork
Soft credit check (minimal impact on your score)
Valid for 60 to 90 days
5. Find Your Property
With your Decision in Principle in hand, you can confidently search for Shared Ownership properties. We will remain on hand to answer questions as you view homes.
What to expect:
We can review specific properties with you
Check affordability for different share percentages
Provide advice on making offers
6. Full Application & Completion
Once you’ve reserved a property, we submit the full mortgage application, liaise with your solicitor, and guide you right through to completion.
What to expect:
Regular updates from us throughout
We will chase lenders and solicitors on your behalf
You will know exactly what is happening at each stage
It is Completely No-Obligation
We want to be clear from the start: speaking with us does not commit you to anything. Here is what “no obligation” really means:
You don’t have to proceed after the first call
You can change your mind at any point
Our advice is tailored to you
There’s no cost to getting started
Questions People Often Have
What if I'm not ready to buy yet?
That is absolutely fine. Many people speak to us months or even a year before they are ready. We can help you understand what you need to work towards and check in when you are ready.
Will you encourage me to apply?
No. We’ll give you honest advice and then let you decide. If Shared Ownership isn’t right for you, we’ll tell you. If you need more time to think, that’s fine too.
How long does the whole process take?
From first contact to moving in typically takes 10 to 14 weeks, but it varies. Finding the right property can take longer. Once you have reserved, the mortgage and legal process usually takes 8 to 12 weeks.
What do I need to bring to the first meeting?
For the initial chat, nothing. We just want to talk. Later, we’ll ask for proof of income, bank statements and ID—but we’ll give you plenty of notice and explain exactly what’s needed.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage.
Ready to Get Started?
Let us have a conversation. No pressure, no jargon, just honest help.