Mortgage Process

We understand that, whether you’re a first-time buyer or have bought many properties, it’s still important to feel comfortable and informed about the different stages of the mortgage process and how we’ll help you throughout. Below we’ve outlined the basic steps of the mortgage process.

The mortgage process: Basic steps

Our experienced team will guide you through every step of the mortgage process from initial enquiry right through to completion!

Initial Meeting

To discuss your plans and gather important information to assess your current situation.

Agreement in principle

This is an agreement from the lender of how much you can borrow given your circumstances.

Full Mortgage Offer

The lender will assess your full circumstances and property details through underwriting to give a decision to lend.

Solicitors Instructed

Solicitors will pursue all the legalities between both parties and finalise the purchase or re-mortgage process – completion.

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The guidance or information contained within the website is subject to the UK regulatory regime and is therefore aimed at consumers in the UK.
The FCA does not regulate Commercial lending or Commercial Buy to let mortgages.


Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured on it.

James Miller & Associates is a trading name of J.S.Miller Independent Financial Planning Ltd which is an appointed representative of Vision Independent Financial Planning Ltd who are authorised and regulated by the Financial Conduct Authority (FCA).

Firm reference number: 487395. This can be verified by visiting the Financial Services Register.

J.S.Miller Independent Financial Planning Ltd is a registered company in England and Wales. Registration number 07242081.

To verify our status please visit the FCA register. Our FCA number is 534042.