Mortgages
It can take up to three months to obtain a Mortgage Offer so the sooner you start the faster you can move!
It's generally quicker to deal direct with your High Street Building Society/Bank than a Mortgage Broker. Whilst a Mortgage Broker may be able to arrange a better deal and will possibly be able to find a Mortgage for difficult cases he may make a substantial charge for doing so, although this can be added onto your Mortgage.
Most Banks or Building Societies will give a Mortgage Certificate on production of your Income / outgoings details even before you find a property. However it should be noted that these are not a substitute for a Mortgage Offer and are always subject to a valuation of a specific property.
For more information, view the JSP Mortgage Guide (please print off for your records)