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Market quotes by TradingViewThe BuySure portfolio
From your next home to your growing business, choose your starting point.
Explore finance and funding routes for your business.
Explore business finance
Insurance information for your home, buildings and belongings.
Explore insurance
Landlord support, buy-to-let and the developing Rent to Riches concept.
Explore property services
Practical administrative and reporting support from BuySure.
Request a Quote support
Customer and business verification, with practical onboarding support.
Explore verification servicesA little clarity, every step
Explore the key moments, from working out your budget to collecting your keys.
Step 01 / 08
Start with your deposit, income and regular outgoings. Remember additional costs such as Stamp Duty Land Tax where applicable, solicitor’s fees, surveys, lender arrangement fees and moving costs. BuySure can help establish a realistic budget.
Explore your budgetStep 02 / 08
A Decision in Principle (DIP) is a lender’s indication of what it may be willing to lend, based on the information provided and any applicable credit checks. It typically lasts 30–90 days, depending on the lender. Check its expiry date and whether a soft or hard credit search will be used.
Understand credit checksStep 03 / 08
Some estate agents request evidence of a DIP when arranging viewings or considering offers. It can demonstrate that you’re financially prepared. A DIP is not a guaranteed mortgage offer.
Explore first-time buyer guidanceStep 04 / 08
Submit your offer through the estate agent. Once accepted, inform BuySure and instruct a solicitor or licensed conveyancer. Legal work and the mortgage process can run alongside each other.
Read home-buying guidesStep 05 / 08
Mortgage valuation: arranged by the lender to assess the property’s suitability as security. It is not a substitute for a buyer’s survey.
RICS Level 2 survey: suitable for many conventional properties in reasonable condition; highlights potential defects.
RICS Level 3 survey: a more detailed inspection, particularly useful for older, altered or unusual properties.
Structural concerns may require specialist investigations and can affect mortgage eligibility and insurance. Your surveyor can help you choose the appropriate survey.
Step 06 / 08
BuySure helps submit the application with the required supporting documents, such as payslips, bank statements and proof of identity and address. The lender assesses your application, credit history, affordability and the property before making its decision.
Start your mortgage journeyStep 07 / 08
Once the lender is satisfied, it issues a formal mortgage offer. Check its conditions and expiry date, and ensure your conveyancer receives it.
Explore mortgage guidanceStep 08 / 08
Exchange normally makes the purchase legally binding in England and Wales. Completion is when the funds are transferred and the buyer receives the keys. Arrange appropriate buildings insurance from exchange where required; confirm the cover and start date with your conveyancer and lender. Consider mortgage protection for your income and anyone who depends on you.
Explore home insuranceAn illustrative route in England, Wales and Northern Ireland. Stages can overlap or happen in a different order; lender approval is not assured. Scotland has a different legal process. Speak to your solicitor early.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Understand the numbers
Explore how your mortgage amount, rate and term affect repayments. Every figure here is an illustration, not a lender offer.
Repayment / month—Capital + interest
Interest-only / month—Capital remains due at the end
Choose your assumptions to compare repayment methods.
Interest-only requires a suitable plan to repay the full capital. This illustration does not assess suitability or eligibility. Open the repayment calculator →
Mortgage essentials
Your interest rate stays the same for an agreed period. Check what happens at the end.
Your lender can change the rate, which can change your payments. Check the product terms.
Tracks a specified benchmark at an agreed margin. The benchmark can rise or fall.
A discount from a lender’s standard variable rate. The underlying rate can still change.
