| Step 1 |
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Make an appointment with a HBC Mortgage Advisor, or call us on 0870 880 424 to discuss your borrowing needs
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| Step 2 |
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We'lI establish how much you could borrow based on your financial circumstances
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| Step 3 |
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Now for the fun part: house hunting, Create a wish list, remember your budget and register with estate agents. Try to see as many properties as possible |
| Step 4 |
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When you find your dream property. make an offer. If it is accepted, make a request for the seller to take the property off the market.
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| Step 5 |
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Arrange to meet our HBC Mortgage Advisor or call us to complete your application. All applications are subject to status. Remember you'll need your proof of identity documents to prevent any delay.
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Step 6
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Instruct a solicitor to start contract negotiations with the seller's solicitor and organise appropriate searches.
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| Step 7 |
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We'll discuss the survey options available to you and get the property valued.
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| Step 8 |
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The surveyor will send you their report.
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| Step 9 |
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Once we've accepted the valuation, we'll send you an offer letter. If your circumstances have changed since your application. please be sure to let us know.
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| Step 10 |
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Your solicitor will agree with you a suitable date for exchanging contracts with the seller.
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| Step 11 |
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The solicitor will finalise and organise the exchange of contracts and you pay the deposit.
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| Step 12 |
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Sort out your utilities and phone contracts, redirect your mail and book a removals firm if you need one.
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| Step 13 |
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Your solicitor will transfer the money for the property to the seller's solicitor. and you pick up the keys.
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| Step 14 |
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Congratulations, you're in. |
