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Do I need a mortgage in place before I apply for a home?
No, you do not need a mortgage before you apply. In fact, we’ll help you with finding a mortgage and guide you through the process with our shared ownership specialists every step of the way.
It’s a good idea not to complete any credit checks or agreement in principles at this stage as that will leave a stamp on your credit report and may make it harder for you to obtain a mortgage when the time comes.
- Buy a home FAQs