Buying Process

Buying a house is one of the biggest financial decisions that you will make in your life. It is a lengthy and complicated process. But at Ignite Financial services we will provide you with the most suitable advice and help you to make the home buying process as easy and stress free as possible.

1

Make an appointment with Ignite, at home or at our offices. The meeting will outline the process of buying a house and most importantly establish your budget and the maximum purchase price. At this stage you can obtain an agreement in principle.

Once you have worked out the price range, the next step is to find your ideal home. You will then need to make an offer and agree the purchase price.

2

Meet again with your adviser and get the full application started. You will agree and book the mortgage product. At this stage the survey will get instructed and supporting documents will be forwarded to the lender.

3

Instruct a solicitor; at this stage they will begin local searches.

4

The mortgage lender will assess the survey and all your supporting documents. They will then issue a full mortgage offer. This will reflect the agreed mortgage product at the full application stage.

5

Solicitors take over at this point. They will carry out all the relevant legal work and report back to you. You will then agree an exchange and completion date.

We work closely with number of solicitors that are able to provide you with excellent service at reasonable rates.

In general, conveyancing is not regulated by the Financial Conduct Authority. Conveyancing is referred to a third party. Ignite Financial Services Ltd and First Complete Ltd are not responsible for any advice received from the third party.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

A BROKER FEE OF £298 WILL BE CHARGED ON APPLICATION. THIS FEE WILL BE FULLY REFUNDED IF THE APPLICATION IS DECLINED.


Ignite Financial Services Limited is registered in England and Wales, company registration number 6910151. The registered address The White House, Mill Road, Goring on Thames, Reading, Berks RG8 9DD. Ignite Financial Services Limited is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of First Complete Ltd which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products. The Financial Conduct Authority does not regulate some forms of Buy to Let.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.