If you want to put yourself in the best potential buying position then we suggest that you make some provisional mortgage arrangements before you start to view properties. It will be easier for you to make a decision if you already know what you can borrow and which lender you will be going to. It will also mean that the seller will be more likely to consider any offer you make if it is clear that you have done your homework and have your financial arrangements in place.

If you need to get a mortgage in order to buy a home then you have a choice of going directly to a mortgage lender such as your bank or building society or you can go to a mortgage broker. Either way, you will be advised of what you can borrow and what your monthly mortgage repayments are likely to be.

We suggest that an appointment with a mortgage broker is normally a good choice as you are then likely to be offered a far wider choice of products from competing lenders.

We would recommend that you talk to Mannie King who is an Independent Financial Adviser with Positive Solutions and has helped a large number of our customers over the years.