Electoral roll

Lenders use the electoral roll data for identity checks - they’re checking you’re who you say you are and live where you say you live. If you’re not on the electoral roll you can register to vote using this link. 

Calculate Stamp Duty Land Tax SDLT

If you're buying  a home in England or Northern Ireland you might have to pay Stamp Duty Land Tax (SDLT) if you buy a property over a certain price.  Use HMRC's SDLT calculator to work out how much tax you'll pay.

Assessing your credit score

A higher credit score can help you secure a better mortgage rate. You have a legal right to see your credit file. It's not a bad idea to check for errors on these files and get them corrected. There are organisations in the UK where you can check your credit report for FREE.

Basically you sign up for a free 30-day trial.

Checkmyfile - try it free for 30 days, £14.99 after, cancel anytime.

Instructing a building surveyor

If you want a more comprehensive property survey we've personal experience of Cosey Homes Chartered Surveyors and found them competitive on price and thorough in their approach to building surveys.

Instructing a conveyancer

At Save on Mortgages we highly recommend Kathryn Garbett of Thompson & Jackson solicitors. We have personally used Kathryn for our conveyancing needs. We trust Kathryn to provide the same excellent service to our clients. You can contact Kathryn Garbett directly by email at kathryn@thompsonandjackson.co.uk