Getting Mortgage Ready – Why It Makes All the Difference
By Taylor Guard, Client Relationship Manager at Sturgess Mortgage Solutions
When it comes to buying your first home—or even your next one—the process can feel overwhelming. But one thing I’ve learned working closely with our clients every day is this: getting mortgage ready changes everything.
Let me walk you through what that really means.
Step 1: Book Your Initial Mortgage Appointment
The very first step in your mortgage journey is sitting down with an expert who can guide you through the process from start to finish. That’s exactly what we do at Sturgess Mortgage Solutions.
In your initial appointment, we’ll:
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Review your income, deposit, and monthly budget
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Help you understand how much you can borrow—and how much you should
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Explain the different types of mortgage products available and which may suit your plans best
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Answer all your questions in plain English (no financial jargon here!)
This conversation lays the foundation for everything to come and gives us all the information we need to start sourcing the right mortgage for you.
Step 2: Secure Your Agreement in Principle (AIP)
Once your initial consultation is complete and we’ve reviewed your documents, we’ll arrange your Agreement in Principle (AIP). This is confirmation from a lender that, based on your financial situation, they’re willing to lend you a set amount.
Having your AIP in hand means:
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You know your true budget before you start viewing homes
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Estate agents will treat your offer more seriously
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You’re in a stronger position to act quickly in a competitive market
It’s a vital piece of the puzzle and gives you a huge head start.
Why Being Mortgage Ready Changes Your Search
Clients who are mortgage ready always move through the homebuying process with more confidence, speed, and success.
Here’s what we see time and time again:
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Offers are accepted faster
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Buyers avoid falling in love with homes they can’t afford
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The search becomes focused, realistic, and far less stressful
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You're ready to move the moment the right property appears
Final Thought from Me
I speak to buyers every single day—and I can’t stress enough how powerful it is to get your mortgage in place before your property search begins.
If you’re thinking about buying, start with us. We’ll guide you through every step, make the process clear, and help you become truly mortgage ready.
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