How do I get a mortgage?

You will need to:

  • Save a deposit if you are buying your first home. You could use the equity in your home towards the deposit if you own your current home.
  • Find the property you want to buy
  • Find a mortgage through service or speak with a lender direct.
  • Make sure you can afford the mortgage you choose
  • Get a mortgage agreement in principle, which will let you know approximately how much you could borrow
  • Put in an offer on the property
  • If your offer is accepted, take out the mortgage