Jonathan Bamford - Protection Adviser

STAY ONE STEP AHEAD OF YOUR MORTGAGE! 🏠😎

Don’t let your mortgage slip onto your lender’s Standard Variable Rate – it’s usually much higher and could cost you more each month.
Yes, payments may rise if you’re coming off a low rate… but switching to a new deal is often still the better option.
✅ We’ll track your mortgage
✅ We’ll monitor the market
✅ We’ll let you know when a better deal is available
Speaking to your adviser early could help you secure a better deal and save money. 😁

Chapter 5: Your First-Time Buyer Checklist - 👇

Use this to track your progress. Tick each item off as you go:

Before you start😎

☐ Check my credit report and fix any errors

☐ Register on the electoral roll at my current address

☐ Save 3 months of bank statements (lenders will want these)

☐ Avoid applying for new credit in the 3 months before applying

☐ Calculate my rough borrowing potential (income × 4–4.5)

Getting mortgage-ready🏠

☐ Book a free call with a mortgage broker

☐ Get an Agreement in Principle

☐ Gather documents: payslips, bank statements, passport/driving licence, P60

☐ Instruct a solicitor (can be done before you find a property)

Once your offer is accepted👏

☐ Submit full mortgage application

☐ Book a homebuyer's survey

☐ Chase solicitor weekly — conveyancing moves slowly without prompting

☐ Arrange buildings insurance (required from exchange)

☐ Confirm completion date and arrange removal van