You usually need at least 5–10% of the property's value. Larger deposits often unlock lower interest rates.

Buying a house in England typically takes on average, though this can vary depending on whether you are in a "chain" of other buyers and sellers. Step 1: Get Mortgage-Ready

This is a statement from a lender estimating how much they will let you borrow based on a soft credit check. Most estate agents require an AIP before they will even let you view properties or make an offer.