The Mortgage Process: A Step-by-Step Guide
What to expect when you use a mortgage adviser — from initial enquiry through to completion.
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Mortgage Advice
Personal, dedicated mortgage advice — straightforward from start to finish. Access to over 90 lenders.
Mortgage Advice That's Personal to You
Whether you're a first-time buyer, a homeowner looking to remortgage or move home, or an investor searching for the right buy-to-let mortgage, our mortgage brokers in East Kilbride are here to guide you through the whole process from start to finish.
We are sure you will appreciate our calm, but thorough, approach. With access to over 90 lenders and thousands of mortgage products — including exclusive deals — our friendly expert team can help you explore your options and find the most suitable mortgage for your needs.
If you're looking at doing some home improvements, paying off some debts, or help with a separation, we can help with this too — providing friendly guidance and honest advice on what to do.
Speak to an AdviserAn Expert's Guide to Buying Your First Home
Our mortgage expert, Kevin McCarthy, shares his tips on getting a mortgage to buy your first home.
From understanding what lenders are looking for to navigating deposits, affordability checks and the mortgage application process — Kevin breaks it down into plain English so you know exactly what to expect.
Book a Chat with KevinOur Mortgage Services
A full range of mortgage solutions — whatever stage of your property journey you're at.
First-Time Buyers
Clear, patient guidance for your very first mortgage — we'll walk you through every step.
Remortgage Advice
Coming to the end of your deal? We'll search the market and lock in the right rate for you.
Home Movers
Upsizing, downsizing or relocating — we'll match your next mortgage to your next chapter.
Buy-to-Let
Investor-savvy advice on portfolio, holiday-let, HMO and standard buy-to-let mortgages.
Help to Buy & Shared Equity
Specialist support with government-backed and shared-equity mortgage schemes.
Self-Employed
Lenders judge self-employed income differently — we know which ones will say yes.
Adverse Credit
Had credit bumps in the past? We work with specialist lenders who look at the full picture.
Joint Borrower Sole Proprietor
A helping hand from family without putting their name on the title deeds.
Why Choose The Home Hub?
Experienced, independent mortgage advice — with the service to match.
Expertise
Up-to-date on market trends and regulations, so the advice you get is current and relevant.
Personalised Service
From our first chat onwards, you'll get dedicated attention tailored to your situation.
90+ Lenders
Access to thousands of mortgage products, including exclusive deals you won't find on the high street.
Transparency
Options explained in plain language, so you can make informed decisions with confidence.
Dedicated Support
We're here long after you've settled in — ready to help with questions whenever they come up.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Handy Tools and Calculators
Practical gadgets to help keep things simple.
This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender. You should make an appointment to receive mortgage advice which will be based on your needs and circumstances.
See how much you can borrow on a mortgage
What will my monthly mortgage repayments be?
How much is my house worth?
Loan to value ratio calculator
Stamp duty calculator
How much would making overpayments save me on my mortgage?
What will happen if interest rates rise or fall?
How much should I save?
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
We're proudly affiliated with Mortgage Advice Bureau, one of the largest mortgage networks in the UK. The Home Hub is a trading name of Clear Mortgage Solutions Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority. Clear Mortgage Solutions Limited. Registered Office: Orchard Brae House, Edinburgh, EH4 2HS. Registered in Scotland Number: SC463175.
Let Us Guide You
Check out our essential guides on all you need to know about the mortgage process.
From deposits and costs to the different types of mortgage available, our jargon-free guides break down the big decisions so you can move forward with confidence.
View All GuidesWhat documents do I need for a mortgage?
ID, proof of income, proof of deposit — what lenders ask for and how the list changes for self-employed and gifted-deposit applicants.
Read moreHow long does the mortgage process take?
A stage-by-stage breakdown of mortgage timescales — from Decision in Principle through to keys in hand.
Read moreHow much will conveyancing cost?
Get a quote online and find out how much the legal work will cost.
Get a quoteFirst-Time Buyer FAQs
The questions we hear most often from first-time buyers, answered by our Senior Mortgage Adviser, Alison Foulds.
Do I need a mortgage adviser?
Having an expert on hand to answer your questions can be a huge comfort. As well as getting you the best deal based on your circumstances, your adviser guides you through the process every step of the way — saving you time, money, and giving you the confidence to navigate an ever-changing market.
How much can I borrow?
Typically around 4 to 4.5 times your gross annual income, though this is affected by outstanding debts and credit history. Every lender assesses things differently — speak to an adviser to work out your specific affordability.
How much deposit do I need?
Most lenders require a minimum 5% deposit. Some have launched unique first-time-buyer propositions including very-low-deposit and even no-deposit mortgages — your adviser can talk you through what's currently available.
What does my credit score need to be?
There's no single minimum score. Lenders look at your full credit history and each views it slightly differently. Even if you've had credit issues in the past, specialist products are available for more complex profiles.
Will I need a Decision in Principle?
A DIP is always recommended — it shows you're a serious buyer with a realistic offer, and gives you confidence you've passed a lender's initial checks. Most lenders use a "soft" search, so it usually won't affect your credit rating.