Egan wrote: Nice one, always a worry things got its up. Think we have it with Halifax, rates seem okay. 2.68% for the first 2 years.
Nice, Halifax are part of the Lloyds group, so the process is the same. Have a laptop/tablet to hand, as you will have to join a 'Zoom style' meeting, but the communication will occur over the phone - they just use it to share screen of the mortgage documentation that they run through and a couple of videos.
You'll have an application interview, which you literally just confirm what you stated in obtaining your agreement in principle (so long as nothing has changed the loan value will be as initially quoted)
A hard credit check will be ran on the applicants on the profile.
Once successful, they will give you a range of products to choose from (I.e. you can discuss length of mortgage or monthly repayments). They will painstakingly go through each aspect of the document (ensure you have a hour+ or so for the application interview).
Then they will want to know which solicitors you're working with, or they will provide you with reccomendations.
Then finally, they will ask the type of valuation survey you want done, level 1 or level 2. Level 1 is free, but it's highly reccommended to go for level 2, it's an 'in-depth' report on aspects of the house.
The level 2 valuation costs £250 or so.
All the best man! Good luck with it.