Week Eight- You are READY
Buying a home can feel like navigating a maze, but having a clear roadmap helps you move confidently from “just thinking” to holding the keys. Here’s a timeline to guide you through, covering when to speak to a broker, get your AIP (Agreement in Principle), view properties, make offers, and handle legal checks.
Step 1: Speak to a Broker – Start Now (January – March 2026)
Before you even start scrolling property websites, it’s crucial to speak to a mortgage broker. A broker will:
- Assess your financial situation
- Explain your borrowing options
- Advise on the deposit you’ll need
Starting early gives you a realistic budget and prevents heartbreak later. Even if you’re months away from buying, initial discussions now will set the stage for a smooth journey.
Step 2: Get an AIP (Agreement in Principle) – 1–2 Months Before Viewing Properties
An AIP is a conditional offer from a lender stating how much they’re willing to lend you. It’s usually valid for 60–90 days. Key benefits:
- Shows sellers you’re serious
- Helps you understand your budget accurately
- Speeds up the buying process once you find your home
Plan to get your AIP roughly 1–2 months before you start viewing properties, so you don’t waste time falling in love with homes outside your price range.
Step 3: View Properties – 3–6 Months Before Completion
Once you have your AIP, start scheduling viewings. Tips for this stage:
- Make a short list of must-haves vs. nice-to-haves
- Attend multiple viewings to compare options
- Keep notes and photos for reference
In 2026, property demand may fluctuate, so be ready to move quickly when you find a home that ticks your boxes.
Step 4: Make Offers and Organise Legal Checks – Immediately After Viewing
When you find “the one,” move fast:
- Make an offer through your estate agent
- Instruct a solicitor or conveyancer immediately to start legal checks, including:
- Title deeds and property boundaries
- Local planning permissions
- Any restrictions or covenants
The goal is to have your legal checks and mortgage application running in parallel to avoid delays.
Step 5: Exchange Contracts and Prepare for Completion
After legal checks and mortgage approval:
- Sign contracts and pay the deposit
- Arrange insurance
- Confirm completion date
Completion is when the keys officially change hands. With this roadmap, your journey from first broker meeting to getting the keys can be smooth, strategic, and stress-free.
Emily's Mortgage Services LTD 