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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. 

  1. Buy a home FAQs