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The home buying process made simple

The Beehive Money home buying guide is here to help explain the process of buying a house. Step by step, we’ll take you through - from saving for your mortgage to moving into your new home. Whether you’re a first-time buyer or a seasoned home mover who just needs a reminder, we’re here to explain the house-buying process, simply.

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Save your mortgage deposit
Save your mortgage deposit

Budget Planner

Use a budget planner to better organise your spending and saving. It'll help you see which bills you pay, what you could maybe cut down on and how much you're able to save each month towards your deposit and moving costs. Use our budget plannerarrow Go back

Lifetime ISA

A savings account specially created for first-time buyers is the Lifetime ISA. The Government contributes a 25% bonus on top your savings up to a maximum of £1,000 per tax year. There's lots more information and rules for the Lifetime ISA, read more about it. Find out more and open a Lifetime ISAarrow Go back

Saving for a deposit

Saving for a house can feel like a never-ending task, but our collection of savvy saving tips and insider info can help you get a deposit together more quickly, ticking one big item off your list. Six tips for saving for a depositarrow Go back
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Save your mortgage deposit

Saving a deposit is the first step to buying a house. The bigger the deposit, the more mortgage deals you’ll be able to access and the chance of getting a lower interest rate is greater.

Saving a deposit is the first step to buying a house. The bigger the deposit, the more mortgage deals you’ll be able to access and the chance of getting a lower interest rate is greater.

Lifetime ISA
Saving for a deposit
Budget planner
hex Find out how much you can borrow
Find out how much you can borrow

Credit Scores

Get up to speed on credit scores, what they are and how you can improve yours with our guide. What's a credit score?arrow Go back

Mortgage Calculator

Use our mortgage calculator to get a rough idea of how much your monthly repayments could be on a mortgage. Mortgage calculatorarrow Go back

Stamp Duty

You may have to pay stamp duty based on the value of your property purchase. Get an idea of how much it would cost you. Stamp duty guidearrow Go back
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Find out how much you can borrow

The amount you can borrow will depend on a few things such as how much you earn, the deposit you’ve saved and your credit score.

The amount you can borrow will depend on a few things such as how much you earn, the deposit you’ve saved and your credit score.

Mortgage calculator
Credit scores
Stamp duty
hex Find the right mortgage
Find the right mortgage

Mortgage applications

The beauty of a mortgage adviser is they do the leg work for you. But it's still useful to understand what happens. Find out more about the mortgage application process. Read about mortgage applicationsarrow Go back

Mortgage advisers

Get a better understanding of the value of a mortgage adviser and what they could do for you. Do I need a mortgage adviser?arrow Go back

Arrange a call

Ready to talk to a mortgage adviser? Our partner Mortgage Advice Bureau is ready to talk to about your mortgage needs. Arrange a call with an adviserarrow Go back
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Find the right mortgage

You don’t have to use one but, a mortgage adviser can help you understand what you’ll need to do to get your mortgage approved. They’ll also be able to find you the best mortgage for you – which might even mean you can afford more than you think.

You don’t have to use one but, a mortgage adviser can help you understand what you’ll need to do to get your mortgage approved. They’ll also be able to find you the best mortgage for you – which might even mean you can afford more than you think.

Mortgage applications
Mortgage advisers
Arrange a call
hex Find your dream home
Find your dream home

Area research tool

It's important you do some digging around on the area you want to buy in before signing on the dotted line. Area research toolarrow Go back

Find a house

Register with an estate agent or use a home search site like Rightmove, Zoopla or OnTheMarket. Go back

10 questions to ask when viewing

We spend very little time viewing what will probably be the biggest purchase in your life. So here are those important questions to ask when you're looking around. 10 questions to ask when viewingarrow Go back
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Find your dream home

This is the exciting bit, finding that home that you’ll love forever. Once you know how much you can borrow you can start looking for your dream place.

This is the exciting bit, finding that home that you’ll love forever. Once you know how much you can borrow you can start looking for your dream place.

Area research tool
Find a house
10 questions to ask when viewing
hex Making the right offer
Making the right offer

Mortgage lingo

Get up to speed with all the jargon and lingo involved in your mortgage application and throughout the process. We've created a handy guide to explain it all, from APRC to variable mortgage rate. Learn the mortgage lingoarrow Go back

Join the Beehive community

Why not catch up with us on social? Follow us on instagramarrow Go back
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Making the right offer

Well done, you’re so close to the end. It’s time to put your offer in.

Around the same time as making your mortgage application you should start looking for a conveyancer to handle the legal paperwork.

Well done, you’re so close to the end. It’s time to put your offer in.

Around the same time as making your mortgage application you should start looking for a conveyancer to handle the legal paperwork.

Mortgage lingo
Join Beehive community
The big move
The big move

Home inspiration

Need a little inspiration for your interiors? Check us out on Pinterestarrow Go back

Used your Lifetime ISA?

If you used your Lifetime ISA to buy your home, keep saving into the account for retirement and you could continue to receive the 25% Government bonus. Lifetime ISA explainedarrow Go back
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The big move

So, the big day is almost here, but you’re not quite done yet. Don’t forget to book removals to help you or rent yourself a van.

So, the big day is almost here, but you’re not quite done yet. Don’t forget to book removals to help you or rent yourself a van.

House inspiration
Used your Lifetime ISA?
Mortage Cuppa Home

Ready to get mortgage advice?

We've partnered with Mortgage Advice Bureau so you can access mortgage advice easily in our app. Their advisers will help find you the right mortgage from over 90 different lenders and more than 12,000 deals, some of which you wouldn't get on the high street. Sit back, relax and let them do the work. It's just another way we help make managing money that bit easier. Terms and conditions apply. 


Your home may be repossessed if you do not keep up repayments on your mortgage. 

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1.00% but a typical fee is 0.30% of the amount borrowed.

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