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The Mortgage Process


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1

Apply for a mortgage agreement in principle

Once you have chosen a mortgage lender, you'll first need to apply for a mortgage in principle. If you are successful, your lender contacts you to tell you that you've received a mortgage agreement in principle. This stage can take anywhere from a couple of hours to 1-3 days.

2

Book your Mortgage Valuation

You must pay for the mortgage valuation with your mortgage lender, in which your lender sends a surveyor to the property to inspect it, to see if its value is consistent with the sum the lender is prepared to offer you.

3

Mortgage offer

If a lender is satisfied with the Mortgage Valuation report, it then tells you and you receive your Mortgage Offer. This is a highly important stage which you must reach before you can exchange contracts with the vendor.

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Specialist Asbestos Survey from SAM Conveyancing
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Have you checked out our handy tools and calculators?

Front-Cover

How To Buy A House
Without Killing Anyone

This book could be the difference between every mover’s dream, buying and moving into your new home stress free, or, stress, missed deadlines, legal disasters, building defects, and possibly the collapse of the whole transaction. (Costing you a small fortune, a head full of grey hairs, and, driving you to threaten the life of your solicitor, lender, co-owners, family, partner, or some combination of all five).

With more than two decades’ experience in the conveyancing sector and over 50,000 successful client moves under his belt, Andrew shares insider tips and advice to empower you as a buyer, giving you the tools to make the best decisions for your circumstances and ease the chaos.


£9.99 (No VAT)
Available on Amazon | Kindle | Paperback

Andrew Boast, CEO of SAM Conveyancing

Andrew Boast FMAAT
CEO of SAM Conveyancing

Our Service Pledge to You

I founded SAM Conveyancing to deliver the exact standards I would expect to receive during my own property transactions—whether instructing a RICS survey or the conveyancing on my home. That is why my team makes this pledge to you:

  • Guaranteed responsiveness: We reply to all enquiries within one working day; most commonly within 15 minutes.
  • Dedicated support: A single, consistent point of contact to manage your transaction.
  • Property expertise: A 100% UK-based team of property specialists.
  • Plain English: Clear, jargon-free advice you can actually understand.

Read our complete Service Pledge.