When buying their home most purchasers need to borrow to complete the transaction. The most common form of home- buying finance is a mortgage loan.

IFGroup will provide sound advice on the latest rates, the maximum amount you can borrow, repayment flexibility (such as capital payment holidays), different methods of mortgage repayment and all the pros and cons of fixed versus variable rate options.

In other words, we'll help you to identify the mortgage that best meets your personal needs - now and into the future.

Step 1

It is good to know right from the start how much you can borrow. Loan approval in principle can be obtained by phoning us or else through our online pre-qualification form.

Step 2

Once found, your dream home should always have a survey carried out -to see if it contains any faults. When you are satisfied with the survey, you may place your deposit.

Step 3

At this stage, you have pre-loan approval and you have placed a booking deposit on your new home. The next step is to arrange 'Formal Loan Approval' on the property. When you have chosen the most suitable mortgage, we will arrange for a valuation of the property. This valuation will enable the lender to issue your formal loan offer. We will send you the original loan offer.

Step 4

Once your solicitor is satisfied with the title to the property, you are now in a position to sign contracts. The balance of the 10% deposit is usually required at this point. When you exchange unconditional contracts the sale of the property is irrevocable. If you decide after this stage not to buy the property, you will lose your deposit.

Step 5