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227</head><body class="body-5"><div data-w-id="658eb088-850c-e50f-8d8c-685ab8557c5e" data-animation="default" data-collapse="medium" data-duration="400" data-easing="ease" data-easing2="ease" role="banner" class="uui-navbar08_component w-nav"><div class="uui-navbar08_container"><a href="/" class="uui-navbar08_logo-link w-nav-brand"><div class="uui-logo_component"><img sizes="(max-width: 479px) 98vw, (max-width: 686px) 99vw, 680px" srcset="https://cdn.prod.website-files.com/67ffb19f2f92d0214baae3cf/680a81914228ef5b2c52a0b9_FC%2520logo%2520websized%2520high%2520quality-p-500.png 500w, https://cdn.prod.website-files.com/67ffb19f2f92d0214baae3cf/680a81914228ef5b2c52a0b9_FC%20logo%20websized%20high%20quality.webp 680w" alt="Friends Capital" src="https://cdn.prod.website-files.com/67ffb19f2f92d0214baae3cf/680a81914228ef5b2c52a0b9_FC%20logo%20websized%20high%20quality.webp" loading="eager" class="uui-logo_logotype"/><img loading="lazy" 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stroke="CurrentColor" stroke-width="1.67" stroke-linecap="round" stroke-linejoin="round"/> 231</svg></div><div class="text-block-9">Insurance and Protection</div></div><nav class="uui-navbar08_dropdown-list w-dropdown-list"><div class="uui-navbar08_dropdown-content"><div class="uui-navbar08_dropdown-link-list"><a href="/insurance-and-protection" class="uui-navbar08_dropdown-link w-inline-block"><div class="uui-navbar08_icon-wrapper"></div><div class="uui-navbar08_item-right"><div class="uui-navbar08_item-heading">Insurance and Protection</div></div></a><a href="/life-insurance-protection" class="uui-navbar08_dropdown-link w-inline-block"><div class="uui-navbar08_icon-wrapper"></div><div class="uui-navbar08_item-right"><div class="uui-navbar08_item-heading">Life Insurance</div></div></a><a href="/income-protection-insurance" class="uui-navbar08_dropdown-link w-inline-block"><div class="uui-navbar08_icon-wrapper"></div><div class="uui-navbar08_item-right"><div class="uui-navbar08_item-heading">Income Protection Insurance</div></div></a><a href="/buildings-and-contents-insurance" class="uui-navbar08_dropdown-link w-inline-block"><div class="uui-navbar08_icon-wrapper"></div><div class="uui-navbar08_item-right"><div class="uui-navbar08_item-heading">Buildings and Content Insurance</div></div></a></div><div class="uui-navbar08_dropdown-link-list"><a href="/private-health-insurance" class="uui-navbar08_dropdown-link w-inline-block"><div class="uui-navbar08_icon-wrapper"></div><div class="uui-navbar08_item-right"><div class="uui-navbar08_item-heading">Private Health Insurance</div></div></a><a href="/critical-illness-cover" class="uui-navbar08_dropdown-link w-inline-block"><div class="uui-navbar08_icon-wrapper"></div><div class="uui-navbar08_item-right"><div class="uui-navbar08_item-heading">Critical Illness Cover</div></div></a><a href="/business-protection" class="uui-navbar08_dropdown-link w-inline-block"><div 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w-inline-block"><div class="uui-navbar08_icon-wrapper"></div><div class="uui-navbar08_item-right"><div class="uui-navbar08_item-heading">How Much can I borrow</div></div></a></div><div class="uui-navbar08_dropdown-link-list"><a href="/stamp-duty-calculator" class="uui-navbar08_dropdown-link w-inline-block"><div class="uui-navbar08_icon-wrapper"></div><div class="uui-navbar08_item-right"><div class="uui-navbar08_item-heading">Stamp Duty Calculator</div></div></a></div></div></nav></div><div data-hover="false" data-delay="0" class="uui-navbar08_menu-dropdown w-dropdown"><div class="uui-navbar08_dropdown-toggle mobile-lineup w-dropdown-toggle"><div class="uui-dropdown-icon w-embed"><svg width="20" height="20" viewBox="0 0 20 20" fill="none" xmlns="http://www.w3.org/2000/svg"> 234<path d="M5 7.5L10 12.5L15 7.5" stroke="CurrentColor" stroke-width="1.67" stroke-linecap="round" stroke-linejoin="round"/> 235</svg></div><div class="text-block-10">About</div></div><nav class="uui-navbar08_dropdown-list w-dropdown-list"><a href="/about" class="uui-navbar08_dropdown-link w-dropdown-link">About Us</a><a href="/mortgage-advisers-sheffield" class="uui-navbar08_dropdown-link w-dropdown-link">Friends Capital in Sheffield</a></nav></div><a href="/blog" class="uui-navbar08_link mobile-lineup w-nav-link">Blogs</a></div><div class="uui-navbar08_menu-right"><div class="uui-navbar08_button-wrapper"><a href="/contact-us" class="uui-button-2 mainnav w-inline-block"><div>Contact </div></a><a href="tel:08008620811" class="uui-button-2 mainnav w-inline-block"><div>08008620811</div></a></div></div></nav><div class="uui-navbar08_menu-button w-nav-button"><div class="menu-icon_component-2"><div class="menu-icon_line-top-2"></div><div class="menu-icon_line-middle-2"><div class="menu-icon_line-middle-inner-2"></div></div><div class="menu-icon_line-bottom-2"></div></div></div></div></div><section class="section-12"><section id="htflow-1" hf-data-width="1249px" hf-data-display="block" class="hero-b contact-space"><div id="htflow-2" hf-data-width="1249px" hf-data-display="block" class="absolute-inset-0-z-0-2"><img class="object-cover-object-center-2" src="https://cdn.prod.website-files.com/67ffb19f2f92d0214baae3cf/68780322e28431bd7f4ed436_Your%20Mortgage%20Journey.webp" alt="Modern stylish living room with light gray sofa and houseplant" decoding="async" hf-data-display="block" style="position:absolute;height:100%;width:100%;inset:0px;color:transparent" sizes="100vw" hf-data-width="1249px" data-nimg="fill" id="htflow-3" srcset="https://cdn.prod.website-files.com/67ffb19f2f92d0214baae3cf/68780322e28431bd7f4ed436_Your%20Mortgage%20Journey-p-500.webp 500w, https://cdn.prod.website-files.com/67ffb19f2f92d0214baae3cf/68780322e28431bd7f4ed436_Your%20Mortgage%20Journey-p-800.webp 800w, https://cdn.prod.website-files.com/67ffb19f2f92d0214baae3cf/68780322e28431bd7f4ed436_Your%20Mortgage%20Journey-p-1080.webp 1080w, https://cdn.prod.website-files.com/67ffb19f2f92d0214baae3cf/68780322e28431bd7f4ed436_Your%20Mortgage%20Journey.webp 1200w"/></div><div id="htflow-5" hf-data-width="1249px" hf-data-display="block" class="container-relative-z-10-2"><div id="htflow-6" hf-data-width="1185px" hf-data-display="grid" class="grid-gri
235d-cols-1-lg-grid-cols-2-gap-8-items-center"><div id="htflow-7" hf-data-width="576.5px" hf-data-display="block" class="text-center-lg-text-left"><h1 id="htflow-8" hf-data-width="576.5px" hf-data-display="block" class="text-3xl-md-text-4xl-lg-text-5xl-font-bold-text-white-mb-6-2">Your Mortgage Journey</h1><p id="htflow-9" hf-data-width="576.5px" hf-data-display="block" class="text-lg-md-text-xl-text-white-90-mb-8-max-w-2xl-mx-auto-lg-mx-0">From finding your dream home to completing the purchase, we'll guide you through every step of the mortgage process.</p><div id="htflow-10" hf-data-width="576.5px" hf-data-display="flex" class="flex-flex-col-sm-flex-row-gap-4-justify-center-lg-justify-start"><a id="htflow-11" href="/contact-us" hf-data-width="265.344px" hf-data-display="flex" class="contact-us">Speak to an Adviser - it's Free</a><a id="htflow-12" href="tel:08008620811" hf-data-width="192.109px" hf-data-display="flex" class="contact-us-phone">Call 0800 862 0811</a></div></div><div id="htflow-13" hf-data-width="576.5px" hf-data-display="block" class="hidden-lg-block"><div class="w-form"><form id="wf-form-Mortgage-Journey" name="wf-form-Mortgage-Journey" data-name="Mortgage Journey" method="get" data-form="multistep" class="form-2" data-wf-page-id="6847170e93445a3be34292bb" data-wf-element-id="6b6c5dcc-6f42-7e4d-930c-fb9a64eed8cb" data-turnstile-sitekey="0x4AAAAAAAQTptj2So4dx43e"><div data-form="step" class="form-item"><h1 class="heading-15">Find Your Mortgage Options</h1><label for="field" class="field-label-5"><strong class="bold-text-28">What type of property are you buying?</strong></label><label data-checkbox="" class="w-radio"><input type="radio" name="What-type-of-property-are-you-buying" id="A-home-to-live-in" data-name="What type of property are you buying?" required="" class="w-form-formradioinput w-radio-input" value="A home to live in"/><span class="radio-button-label w-form-label" for="A-home-to-live-in">A home to live in</span></label><label class="w-radio"><input type="radio" name="What-type-of-property-are-you-buying" id="A-shared-ownership-Property" data-name="What type of property are you buying?" required="" class="w-form-formradioinput w-radio-input" value="A shared ownership Property"/><span class="radio-button-label-2 w-form-label" for="A-shared-ownership-Property">A shared ownership Property</span></label><label class="w-radio"><input type="radio" name="What-type-of-property-are-you-buying" id="A-property-to-rent-out" data-name="What type of property are you buying?" required="" class="w-form-formradioinput w-radio-input" value="A property to rent out"/><span class="radio-button-label-2 w-form-label" for="A-property-to-rent-out">A property to rent out</span></label><label class="w-radio"><input type="radio" name="What-type-of-property-are-you-buying" id="The-home-I-am-currently-living-in" data-name="What type of property are you buying?" required="" class="w-form-formradioinput w-radio-input" value="The home I am currently living in"/><span class="radio-button-label-2 w-form-label" for="The-home-I-am-currently-living-in">The home I am currently living in</span></label><label class="w-radio"><input type="radio" name="What-type-of-property-are-you-buying" id="Other-2" data-name="What type of property are you buying?" required="" class="w-form-formradioinput w-radio-input" value="Other"/><span class="radio-button-label-2 w-form-label" for="Other-2">Other</span></label><label class="w-radio"><input type="radio" name="What-type-of-property-are-you-buying" id="Limited-company-landlord" data-name="What type of property are you buying?" required="" class="w-form-formradioinput w-radio-input" value="Limited company landlord"/><span class="radio-button-label-2 w-form-label" for="Limited-company-landlord">Limited company landlord</span></label></div><div data-form="step" class="form-item"><h1 class="heading-15">Find Your Mortgage Options</h1><label for="field" class="field-label-5"><strong class="bold-text-28">At What Stage are you at?</strong></label><label data-checkbox="" class="w-radio"><input type="radio" name="At-What-Stage-are-you-at" id="Ready-to-start-viewing-properties" data-name="At What Stage are you at?" required="" class="w-form-formradioinput w-radio-input" value="Ready to start viewing properties"/><span class="radio-button-label w-form-label" for="Ready-to-start-viewing-properties">Ready to start viewing properties</span></label><label class="w-radio"><input type="radio" name="At-What-Stage-are-you-at" id="Actively-viewing-properties" data-name="At What Stage are you at?" required="" class="w-form-formradioinput w-radio-input" value="Actively viewing properties"/><span class="radio-button-label-2 w-form-label" for="Actively-viewing-properties">Actively viewing properties</span></label><label class="w-radio"><input type="radio" name="At-What-Stage-are-you-at" id="Found-a-property-I-would-like-to-buy" data-name="At What Stage are you at?" required="" class="w-form-formradioinput w-radio-input" value="Found a property I would like to buy"/><span class="radio-button-label-2 w-form-label" for="Found-a-property-I-would-like-to-buy">Found a property I would like to buy</span></label><label class="w-radio"><input type="radio" name="At-What-Stage-are-you-at" id="Planning-to-buy-within-6-months" data-name="At What Stage are you at?" required="" class="w-form-formradioinput w-radio-input" value="Planning to buy within 6 months"/><span class="radio-button-label-2 w-form-label" for="Planning-to-buy-within-6-months">Planning to buy within 6 months</span></label><label class="w-radio"><input type="radio" name="At-What-Stage-are-you-at" id="Not-planning-to-buy-for-atleast-6-12-months" data-name="At What Stage are you at?" required="" class="w-form-formradioinput w-radio-input" value="Not planning to buy for atleast 6-12
235+ months"/><span class="radio-button-label-2 w-form-label" for="Not-planning-to-buy-for-atleast-6-12-months">Not planning to buy for atleast 6-12+ months</span></label></div><div data-form="step" class="form-item"><h1 class="heading-15">Find Your Mortgage Options</h1><label for="field" class="field-label-5"><strong class="bold-text-28">How much deposit do you have available?</strong></label><label data-checkbox="" class="w-radio"><input type="radio" name="How-much-deposit-do-you-have-available" id="I-have-atleast-5-deposit-saved" data-name="How much deposit do you have available?" required="" class="w-form-formradioinput w-radio-input" value="I have atleast 5% deposit saved"/><span class="radio-button-label w-form-label" for="I-have-atleast-5-deposit-saved">I have atleast 5% deposit saved</span></label><label class="w-radio"><input type="radio" name="How-much-deposit-do-you-have-available" id="My-family-will-gift-me-atleast-5-deposit-2" data-name="How much deposit do you have available?" required="" class="w-form-formradioinput w-radio-input" value="My family will gift me atleast 5% deposit"/><span class="radio-button-label-2 w-form-label" for="My-family-will-gift-me-atleast-5-deposit-2">My family will gift me atleast 5% deposit</span></label><label class="w-radio"><input type="radio" name="How-much-deposit-do-you-have-available" id="Buying-from-landlord-or-family-at-a-discount" data-name="How much deposit do you have available?" required="" class="w-form-formradioinput w-radio-input" value="Buying from landlord or family at a discount"/><span class="radio-button-label-2 w-form-label" for="Buying-from-landlord-or-family-at-a-discount">Buying from landlord or family at a discount</span></label><label class="w-radio"><input type="radio" name="How-much-deposit-do-you-have-available" id="I-have-little-to-no-deposit-saved" data-name="How much deposit do you have available?" required="" class="w-form-formradioinput w-radio-input" value="I have little to no deposit saved"/><span class="radio-button-label-2 w-form-label" for="I-have-little-to-no-deposit-saved">I have little to no deposit saved</span></label></div><div data-form="step" class="form-item"><h1 class="heading-15">Find Your Mortgage Options</h1><label for="field" class="field-label-5"><strong class="bold-text-31">How would you describe your credit history?</strong></label><label data-checkbox="" class="w-radio"><input type="radio" name="How-would-you-describe-your-credit-history" id="Clean-credit-with-no-issues" data-name="How would you describe your credit history?" required="" class="w-form-formradioinput w-radio-input" value="Clean credit with no issues"/><span class="radio-button-label w-form-label" for="Clean-credit-with-no-issues">Clean credit with no issues</span></label><label class="w-radio"><input type="radio" name="How-would-you-describe-your-credit-history" id="Current-bad-credit" data-name="How would you describe your credit history?" required="" class="w-form-formradioinput w-radio-input" value="Current bad credit"/><span class="radio-button-label-2 w-form-label" for="Current-bad-credit">Current bad credit</span></label><label class="w-radio"><input type="radio" name="How-would-you-describe-your-credit-history" id="Historic-bad-credit" data-name="How would you describe your credit history?" required="" class="w-form-formradioinput w-radio-input" value="Historic bad credit"/><span class="radio-button-label-2 w-form-label" for="Historic-bad-credit">Historic bad credit</span></label><label class="w-radio"><input type="radio" name="How-would-you-describe-your-credit-history" id="Joint-application-with-mixed-credit-history" data-name="How would you describe your credit history?" required="" class="w-form-formradioinput w-radio-input" value="Joint application with mixed credit history"/><span class="radio-button-label-2 w-form-label" for="Joint-application-with-mixed-credit-history">Joint application with mixed credit history</span></label></div><div data-form="step" class="form-item"><h1 class="heading-15">Find Your Mortgage Options</h1><label for="field" class="field-label-5"><strong class="bold-text-31">What is your main source of income?</strong></label><label data-checkbox="" class="w-radio"><input type="radio" name="What-is-your-main-source-of-income" id="Employed" data-name="What is your main source of income?" required="" class="w-form-formradioinput w-radio-input" value="Employed"/><span class="radio-button-label w-form-label" for="Employed">Employed</span></label><label class="w-radio"><input type="radio" name="What-is-your-main-source-of-income" id="My-income-has-decreased" data-name="What is your main source of income?" required="" class="w-form-formradioinput w-radio-input" value="My income has decreased"/><span class="radio-button-label-2 w-form-label" for="My-income-has-decreased">Self employed for over 12 months</span></label><label class="w-radio"><input type="radio" name="What-is-your-main-source-of-income" id="Self-employed-for-over-12-months" data-name="What is your main source of income?" required="" class="w-form-formradioinput w-radio-input" value="Self employed for over 12 months"/><span class="radio-button-label-2 w-form-label" for="Self-employed-for-over-12-months">Self employed for less that 12 months</span></label><label class="w-radio"><input type="radio" name="What-is-your-main-source-of-income" id="Join-application-with-mixed-income-types" data-name="What is your main source of income?" required="" class="w-form-formradioinput w-radio-input" value="Join application with mixed income types"/><span class="radio-button-label-2 w-form-label" for="Join-application-with-mixed-income-types">Join application with mixed income types</span></label><label class="w-radio"><input type="radio" name="What-is-your-main-source-of-income" id="Pension-or-investment-income" data-name="What is your main source of income?" required="" class="w-form-formradioinput w-radio-input" value="Pension or investment income"/><span class="radio-button-label-2 w-form-label" for="Pension-or-investment-income">Pension or investment income</span></label><label class="w-radio"><input type="radio" name="What-is-your-main-source-of-income" id="All-income-from-benefits" data-name="What is your main source of income?" required="" class="w-form-formradioinput w-radio-input" value="All income from benefits"/><span class="radio-button-label-2 w-form-label" for="All-income-from-benefits">All income from benefits</span></label></div><div data-form="step" class="form-item"><h1 class="heading-15">Find Your Mortgage Options</h1><label for="field" class="field-label-5"><strong class="bold-text-31">Are you a first time buyer?</strong></label><label data-checkbox="" class="w-radio"><input type="radio" name="Are-you-a-first-time-buyer" id="Yes" data-name="Are you a first time buyer?" required="" class="w-form-formradioinput w-radio-input" value="Yes"/><span class="radio-button-label w-form-label" for="Yes">Yes</span></label><label class="w-radio"><input type="radio" name="Are-you-a-first-time-buyer" id="No" data-name="Are you a first time buyer?" required="" class="w-form-formradioinput w-radio-input" value="No"/><span class="radio-button-label-2 w-form-label" for="No">No</span></label></div><div data-form="step" class="form-item"><h1 class="heading-15">Find Your Mortgage Options</h1><label for="First-Name" class="field-label-3">First Name</label><input class="text-field-5 w-input" maxlength="256" name="First-Name" data-name="First Name" placeholder="Example Text" type="text" id="First-Name" required=""/><label for="Last-Name" class="field-label-3">Last Name</label><input class="text-field-5 w-input" maxlength="256" name="Last-Name" data-name="Last Name" placeholder="Example Text" type="text" id="Last-Name" required=""/><label for="Phone-Number" class="field-label-3">Phone Number</label><input class="text-field-5 w-input" maxlength="256" name="Phone-Number" data-name="Phone Number" placeholder="Example Text" type="tel" id="Phone-Number" required=""/><label for="Email" class="field-label-3">Email</label><input class="text-field-5 w-input" maxlength="256" name="Email" data-name="Email" placeholder="Example Text" type="email" id="Email" required=""/></div><div class="step-ui"><a data-form="back-btn" href="#" class="step-form-back w-inline-block"><div>Back </div></a><a data-form="next-btn" href="#" class="step-form-submit w-inline-block"><div>OK</div></a><a data-form="submit-btn" href="#" class="step-form-submit w-button">Submit</a></div></form><div class="w-form-done"><div>Thank you! Your submission has been received!</div></div><div class="w-form-fail"><div>Oops! Something went wrong while submitting the form.</div></div></div></div></div></div></section><section id="htflow-1" hf-data-width="1249px" hf-data-display="block" class="options"><div id="htflow-2" hf-data-width="1249px" hf-data-display="block" class="container-13"><div id="htflow-3" hf-data-width="1185px" hf-data-display="block" class="text-center-mb-12-2 insuranceprotection"><h2 id="htflow-4" hf-data-width="1185px" hf-data-display="block" class="text-2xl-md-text-3xl-font-bold-text-royal-blue-mb-4-3 mobile-flex">Mortgage Options</h2><p id="htflow-5" hf-data-width="672px" hf-data-display="block" class="center-text-50 mortgage-options">Whether you're a first-time buyer, moving home, or investing in property, we have the expertise to guide you through the process.</p></div><div id="htflow-6" hf-data-width="1185px" hf-data-display="grid" class="grid-gri
235d-cols-1-md-grid-cols-2-lg-grid-cols-3-gap-6"><div id="htflow-7" hf-data-width="379px" hf-data-display="flex" class="rounded-lg-border-bg-card-text-card-foreground-shadow-sm-border-slate-grey-10-hover-shadow-md-transition-shadow-h-full-flex-flex-col private-health"><div id="htflow-8" hf-data-width="377px" hf-data-display="flex" class="flex-flex-col-space-y-1-5-p-6-pb-2"><div id="htflow-9" hf-data-width="48px" hf-data-display="flex" class="_w-12-h-12-rounded-full-bg-royal-blue-10-flex-items-center-justify-center-mb-4-2"><svg fill="none" viewBox="0 0 24 24" width="24" height="24" stroke-linecap="round" hf-data-display="block" stroke-width="2" hf-data-width="24px" stroke-linejoin="round" stroke="currentColor" id="htflow-10" xmlns="http://www.w3.org/2000/svg" class="lx17tj"><path d="M15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8" id="htflow-11" hf-data-width="auto" hf-data-display="inline" class="f0o51h"></path><path d="M3 10a2 2 0 0 1 .709-1.528l7-5.999a2 2 0 0 1 2.582 0l7 5.999A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z" id="htflow-12" hf-data-width="auto" hf-data-display="inline" class="p2gd72"></path></svg></div><div id="htflow-13" hf-data-width="329px" hf-data-display="block" class="text-2xl-font-semibold-leading-none-tracking-tight-text-royal-blue-2">First Time Buyer</div></div><div id="htflow-14" hf-data-width="377px" hf-data-display="block" class="p-6-pt-0-flex-grow"><p id="htflow-15" hf-data-width="329px" hf-data-display="block" class="text-slate-grey-7 blue-boxes">Taking your first step onto the property ladder? Our expert advisers will guide you through the entire process, from deposit to completion.</p></div><div id="htflow-16" hf-data-width="377px" hf-data-display="flex" class="flex-items-center-p-6-pt-0-2"><a id="htflow-17" href="/first-time-buyer" hf-data-width="257.547px" hf-data-display="flex" class="inline-flex-items-center-justify-center-gap-2-whitespace-nowrap-rounded-md-text-sm-font-medium-ring-offset-background-transition-colors-focus-visible-outline-none-focus-visible-ring-2-focus-visible-ring-ring-focus-visible-ring-offset-2-disabled-pointer-events-none-disabled-opacity-50-_svg-pointer-events-none-_svg-size-4-_svg-shrink-0-h-10-text-royal-blue-hover-text-royal-blue-90-p-0-hover-bg-transparent-2">Learn more about First Time Buyersâ</a></div></div><div id="htflow-18" hf-data-width="379px" hf-data-display="flex" class="rounded-lg-border-bg-card-text-card-foreground-shadow-sm-border-slate-grey-10-hover-shadow-md-transition-shadow-h-full-flex-flex-col private-health"><div id="htflow-19" hf-data-width="377px" hf-data-display="flex" class="flex-flex-col-space-y-1-5-p-6-pb-2"><div id="htflow-20" hf-data-width="48px" hf-data-display="flex" class="_w-12-h-12-rounded-full-bg-royal-blue-10-flex-items-center-justify-center-mb-4-3"><svg fill="none" viewBox="0 0 24 24" width="24" height="24" stroke-linecap="round" hf-data-display="block" stroke-width="2" hf-data-width="24px" stroke-linejoin="round" stroke="currentColor" id="htflow-21" xmlns="http://www.w3.org/2000/svg" class="fqyuwa"><path d="M3 12a9 9 0 0 1 9-9 9.75 9.75 0 0 1 6.74 2.74L21 8" id="htflow-22" hf-data-width="auto" hf-data-display="inline" class="_56q3ja"></path><path d="M21 3v5h-5" id="htflow-23" hf-data-width="auto" hf-data-display="inline" class="_7wie61"></path><path d="M21 12a9 9 0 0 1-9 9 9.75 9.75 0 0 1-6.74-2.74L3 16" id="htflow-24" hf-data-width="auto" hf-data-display="inline" class="knd2i7"></path><path d="M8 16H3v5" id="htflow-25" hf-data-width="auto" hf-data-display="inline" class="a67ih3"></path></svg></div><div id="htflow-26" hf-data-width="329px" hf-data-display="block" class="text-2xl-font-semibold-leading-none-tracking-tight-text-royal-blue-3">Home Movers</div></div><div id="htflow-27" hf-data-width="377px" hf-data-display="block" class="p-6-pt-0-flex-grow"><p id="htflow-28" hf-data-width="329px" hf-data-display="block" class="text-slate-grey-7 blue-boxes">Looking to move up the property ladder? We'll help you navigate the complexities of selling your current home while purchasing a new one.</p></div><div id="htflow-29" hf-data-width="377px" hf-data-display="flex" class="flex-items-center-p-6-pt-0-3"><a id="htflow-30" href="/purchase-home-mover" hf-data-width="233.891px" hf-data-display="flex" class="inline-flex-items-center-justify-center-gap-2-whitespace-nowrap-rounded-md-text-sm-font-medium-ring-offset-background-transition-colors-focus-visible-outline-none-focus-visible-ring-2-focus-visible-ring-ring-focus-visible-ring-offset-2-disabled-pointer-events-none-disabled-opacity-50-_svg-pointer-events-none-_svg-size-4-_svg-shrink-0-h-10-text-royal-blue-hover-text-royal-blue-90-p-0-hover-bg-transparent-3">Learn more about Home Moversâ</a></div></div><div id="htflow-31" hf-data-width="379px" hf-data-display="flex" class="rounded-lg-border-bg-card-text-card-foreground-shadow-sm-border-slate-grey-10-hover-shadow-md-transition-shadow-h-full-flex-flex-col private-health"><div id="htflow-32" hf-data-width="377px" hf-data-display="flex" class="flex-flex-col-space-y-1-5-p-6-
235pb-2"><div id="htflow-33" hf-data-width="48px" hf-data-display="flex" class="_w-12-h-12-rounded-full-bg-royal-blue-10-flex-items-center-justify-center-mb-4-4"><svg fill="none" viewBox="0 0 24 24" width="24" height="24" stroke-linecap="round" hf-data-display="block" stroke-width="2" hf-data-width="24px" stroke-linejoin="round" stroke="currentColor" id="htflow-34" xmlns="http://www.w3.org/2000/svg" class="jkhug0"><rect width="16" rx="2" height="20" ry="2" hf-data-display="inline" hf-data-width="16px" x="4" y="2" id="htflow-35" class="_0ve6fy"></rect><path d="M9 22v-4h6v4" id="htflow-36" hf-data-width="auto" hf-data-display="inline" class="knmae6"></path><path d="M8 6h.01" id="htflow-37" hf-data-width="auto" hf-data-display="inline" class="_1tooxm"></path><path d="M16 6h.01" id="htflow-38" hf-data-width="auto" hf-data-display="inline" class="mc3frp"></path><path d="M12 6h.01" id="htflow-39" hf-data-width="auto" hf-data-display="inline" class="_724364"></path><path d="M12 10h.01" id="htflow-40" hf-data-width="auto" hf-data-display="inline" class="xeij9k"></path><path d="M12 14h.01" id="htflow-41" hf-data-width="auto" hf-data-display="inline" class="sd7kvw"></path><path d="M16 10h.01" id="htflow-42" hf-data-width="auto" hf-data-display="inline" class="pfgove"></path><path d="M16 14h.01" id="htflow-43" hf-data-width="auto" hf-data-display="inline" class="_47yxtf"></path><path d="M8 10h.01" id="htflow-44" hf-data-width="auto" hf-data-display="inline" class="_115au1"></path><path d="M8 14h.01" id="htflow-45" hf-data-width="auto" hf-data-display="inline" class="xkmyw6"></path></svg></div><div id="htflow-46" hf-data-width="329px" hf-data-display="block" class="text-2xl-font-semibold-leading-none-tracking-tight-text-royal-blue-4">Buy-to-Let</div></div><div id="htflow-47" hf-data-width="377px" hf-data-display="block" class="p-6-pt-0-flex-grow"><p id="htflow-48" hf-data-width="329px" hf-data-display="block" class="text-slate-grey-7 blue-boxes">Investing in property? Our specialists will help you find the right buy-to-let mortgage to maximise your investment potential.</p></div><div id="htflow-49" hf-data-width="377px" hf-data-display="flex" class="flex-items-center-p-6-pt-0-3"><a id="htflow-50" href="/buy-to-let-mortgages" hf-data-width="212.75px" hf-data-display="flex" class="inline-flex-items-center-justify-center-gap-2-whitespace-nowrap-rounded-md-text-sm-font-medium-ring-offset-background-transition-colors-focus-visible-outline-none-focus-visible-ring-2-focus-visible-ring-ring-focus-visible-ring-offset-2-disabled-pointer-events-none-disabled-opacity-50-_svg-pointer-events-none-_svg-size-4-_svg-shrink-0-h-10-text-royal-blue-hover-text-royal-blue-90-p-0-hover-bg-transparent-3">Learn more about Buy-to-Letâ</a></div></div><div id="htflow-51" hf-data-width="379px" hf-data-display="flex" class="rounded-lg-border-bg-card-text-card-foreground-shadow-sm-border-slate-grey-10-hover-shadow-md-transition-shadow-h-full-flex-flex-col private-health"><div id="htflow-52" hf-data-width="377px" hf-data-display="flex" class="flex-flex-col-space-y-1-5-p-6-pb-2"><div id="htflow-53" hf-data-width="48px" hf-data-display="flex" class="_w-12-h-12-rounded-full-bg-royal-blue-10-flex-items-center-justify-center-mb-4-5"><svg fill="none" viewBox="0 0 24 24" width="24" height="24" stroke-linecap="round" hf-data-display="block" stroke-width="2" hf-data-width="24px" stroke-linejoin="round" stroke="currentColor" id="htflow-54" xmlns="http://www.w3.org/2000/svg" class="nbskt5"><path d="M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2" id="htflow-55" hf-data-width="auto" hf-data-display="inline" class="zyyeex"></path><circle cx="9" cy="7" r="4" id="htflow-56" hf-data-width="auto" hf-data-display="inline" class="_8ga8ns"></circle><path d="M22 21v-2a4 4 0 0 0-3-3.87" id="htflow-57" hf-data-width="auto" hf-data-display="inline" class="_0ozbo6"></path><path d="M16 3.13a4 4 0 0 1 0 7.75" id="htflow-58" hf-data-width="auto" hf-data-display="inline" class="lcw11l"></path></svg></div><div id="htflow-59" hf-data-width="329px" hf-data-display="block" class="text-2xl-font-semibold-leading-none-tracking-tight-text-royal-blue-5">Shared Ownership</div></div><div id="htflow-60" hf-data-width="377px" hf-data-display="block" class="p-6-pt-0-flex-grow"><p id="htflow-61" hf-data-width="329px" hf-data-display="block" class="text-slate-grey-7 blue-boxes">Buy a share of a property and pay rent on the rest. A great option if you can't quite afford the mortgage on 100% of a home.</p></div><div id="htflow-62" hf-data-width="377px" hf-data-display="flex" class="flex-items-center-p-6-pt-0-3"><a id="htflow-63" href="/shared-ownership-mortgages" hf-data-width="264.406px" hf-data-display="flex" class="inline-flex-items-center-justify-center-gap-2-whitespace-nowrap-rounded-md-text-sm-font-medium-ring-offset-background-transition-colors-focus-visible-outline-none-focus-visible-ring-2-focus-visible-ring-ring-focus-visible-ring-offset-2-disabled-pointer-events-none-disabled-opacity-50-_svg-pointer-events-none-_svg-size-4-_svg-shrink-0-h-10-text-royal-blue-hover-text-royal-blue-90-p-0-hover-bg-transparent-3">Learn more about Shared Ownershipâ</a></div></div><div id="htflow-64" hf-data-width="379px" hf-data-display="flex" class="rounded-lg-border-bg-card-text-card-foreground-shadow-sm-border-slate-grey-10-hover-shadow-md-transition-shadow-h-full-flex-flex-col private-health"><div id="htflow-65" hf-data-width="377px" hf-data-display="flex" class="flex-flex-col-space-y-1-5-p-6-
235pb-2"><div id="htflow-66" hf-data-width="48px" hf-data-display="flex" class="_w-12-h-12-rounded-full-bg-royal-blue-10-flex-items-center-justify-center-mb-4-6"><svg fill="none" viewBox="0 0 24 24" width="24" height="24" stroke-linecap="round" hf-data-display="block" stroke-width="2" hf-data-width="24px" stroke-linejoin="round" stroke="currentColor" id="htflow-67" xmlns="http://www.w3.org/2000/svg" class="ls9isf"><circle cx="12" cy="12" r="10" id="htflow-68" hf-data-width="auto" hf-data-display="inline" class="er2w6a"></circle><polyline points="12 6 12 12 16 14" id="htflow-69" hf-data-width="auto" hf-data-display="inline" class="aq6bmr"></polyline></svg></div><div id="htflow-70" hf-data-width="329px" hf-data-display="block" class="text-2xl-font-semibold-leading-none-tracking-tight-text-royal-blue-6">Mortgages for Over 50s</div></div><div id="htflow-71" hf-data-width="377px" hf-data-display="block" class="p-6-pt-0-flex-grow"><p id="htflow-72" hf-data-width="329px" hf-data-display="block" class="text-slate-grey-7 blue-boxes">Specialised mortgage options for those over 50 looking to move or purchase an additional property.</p></div><div id="htflow-73" hf-data-width="377px" hf-data-display="flex" class="flex-items-center-p-6-pt-0-3"><a id="htflow-74" href="/mortgages-for-over-50s" hf-data-width="277.203px" hf-data-display="flex" class="inline-flex-items-center-justify-center-gap-2-whitespace-nowrap-rounded-md-text-sm-font-medium-ring-offset-background-transition-colors-focus-visible-outline-none-focus-visible-ring-2-focus-visible-ring-ring-focus-visible-ring-offset-2-disabled-pointer-events-none-disabled-opacity-50-_svg-pointer-events-none-_svg-size-4-_svg-shrink-0-h-10-text-royal-blue-hover-text-royal-blue-90-p-0-hover-bg-transparent-3">Learn more about Later Life Purchasesâ</a></div></div><div id="htflow-75" hf-data-width="379px" hf-data-display="flex" class="rounded-lg-border-bg-card-text-card-foreground-shadow-sm-border-slate-grey-10-hover-shadow-md-transition-shadow-h-full-flex-flex-col private-health"><div id="htflow-76" hf-data-width="377px" hf-data-display="flex" class="flex-flex-col-space-y-1-5-p-6-pb-2"><div id="htflow-1" hf-data-width="48px" hf-data-display="flex" class="shapes-in-circle"><svg fill="none" viewBox="0 0 24 24" width="24" height="24" stroke-linecap="round" hf-data-display="block" stroke-width="2" hf-data-width="24px" stroke-linejoin="round" stroke="currentColor" id="htflow-2" xmlns="http://www.w3.org/2000/svg" class="cycle"><path d="m17 2 4 4-4 4" id="htflow-3" hf-data-width="auto" hf-data-display="inline" class="path"></path><path d="M3 11v-1a4 4 0 0 1 4-4h14" id="htflow-4" hf-data-width="auto" hf-data-display="inline" class="path"></path><path d="m7 22-4-4 4-4" id="htflow-5" hf-data-width="auto" hf-data-display="inline" class="path"></path><path d="M21 13v1a4 4 0 0 1-4 4H3" id="htflow-6" hf-data-width="auto" hf-data-display="inline" class="path"></path></svg></div><div id="htflow-81" hf-data-width="329px" hf-data-display="block" class="text-2xl-font-semibold-leading-none-tracking-tight-text-royal-blue-7">Remortgage</div></div><div id="htflow-82" hf-data-width="377px" hf-data-display="block" class="p-6-pt-0-flex-grow"><p id="htflow-83" hf-data-width="329px" hf-data-display="block" class="text-slate-grey-7 blue-boxes">Thinking about changing your mortgage? Whether you want to cut monthly costs, tap into your homeâs value or tidy up existing debts, our experts are here to help you find the most suitable remortgage solution.</p></div><div id="htflow-84" hf-data-width="377px" hf-data-display="flex" class="flex-items-center-p-6-pt-0-3"><a id="htflow-85" href="/buy-to-let-mortgages" hf-data-width="282.688px" hf-data-display="flex" class="inline-flex-items-center-justify-center-gap-2-whitespace-nowrap-rounded-md-text-sm-font-medium-ring-offset-background-transition-colors-focus-visible-outline-none-focus-visible-ring-2-focus-visible-ring-ring-focus-visible-ring-offset-2-disabled-pointer-events-none-disabled-opacity-50-_svg-pointer-events-none-_svg-size-4-_svg-shrink-0-h-10-text-royal-blue-hover-text-royal-blue-90-p-0-hover-bg-transparent-3">Learn more about Remortgage Optionsâ</a></div></div><div id="htflow-75" hf-data-width="379px" hf-data-display="flex" class="rounded-lg-border-bg-card-text-card-foreground-shadow-sm-border-slate-grey-10-hover-shadow-md-transition-shadow-h-full-flex-flex-col private-health w-node-_87737ca3-97a2-61e4-55df-3fc41526c9e5-e34292bb"><div id="htflow-76" hf-data-width="377px" hf-data-display="flex" class="flex-flex-col-space-y-1-5-p-6-
235pb-2"><div id="htflow-1" hf-data-width="48px" hf-data-display="flex" class="shapes-in-circle"><svg fill="none" viewBox="0 0 24 24" width="24" height="24" stroke-linecap="round" hf-data-display="block" stroke-width="2" hf-data-width="24px" stroke-linejoin="round" stroke="currentColor" id="htflow-2" xmlns="http://www.w3.org/2000/svg" class="profile"><path d="M19 21v-2a4 4 0 0 0-4-4H9a4 4 0 0 0-4 4v2" id="htflow-3" hf-data-width="auto" hf-data-display="inline" class="path"></path><circle cx="12" cy="7" r="4" id="htflow-4" hf-data-width="auto" hf-data-display="inline" class="path"></circle></svg></div><div id="htflow-81" hf-data-width="329px" hf-data-display="block" class="text-2xl-font-semibold-leading-none-tracking-tight-text-royal-blue-7">Self-Employed Mortgage</div></div><div id="htflow-82" hf-data-width="377px" hf-data-display="block" class="p-6-pt-0-flex-grow"><p id="htflow-83" hf-data-width="329px" hf-data-display="block" class="text-slate-grey-7 blue-boxes">Being self-employed shouldnât hold you back from buying a home. Whether youâre a contractor, freelancer or business owner, weâll take the time to understand your income and find a mortgage that works for your circumstances.</p></div><div id="htflow-84" hf-data-width="377px" hf-data-display="flex" class="flex-items-center-p-6-pt-0-3"><a id="htflow-85" href="/buy-to-let-mortgages" hf-data-width="282.688px" hf-data-display="flex" class="inline-flex-items-center-justify-center-gap-2-whitespace-nowrap-rounded-md-text-sm-font-medium-ring-offset-background-transition-colors-focus-visible-outline-none-focus-visible-ring-2-focus-visible-ring-ring-focus-visible-ring-offset-2-disabled-pointer-events-none-disabled-opacity-50-_svg-pointer-events-none-_svg-size-4-_svg-shrink-0-h-10-text-royal-blue-hover-text-royal-blue-90-p-0-hover-bg-transparent-3">Learn more about <br/>Self-Employed Mortgages â</a></div></div><div id="htflow-75" hf-data-width="379px" hf-data-display="flex" class="rounded-lg-border-bg-card-text-card-foreground-shadow-sm-border-slate-grey-10-hover-shadow-md-transition-shadow-h-full-flex-flex-col private-health w-node-e08ef0df-43d6-db6a-b093-6037ddcb4715-e34292bb"><div id="htflow-76" hf-data-width="377px" hf-data-display="flex" class="flex-flex-col-space-y-1-5-p-6-pb-2"><div id="htflow-1" hf-data-width="48px" hf-data-display="flex" class="shapes-in-circle"><svg fill="none" viewBox="0 0 24 24" width="24" height="24" stroke-linecap="round" hf-data-display="block" stroke-width="2" hf-data-width="24px" stroke-linejoin="round" stroke="currentColor" id="htflow-2" xmlns="http://www.w3.org/2000/svg" class="barrier"><rect width="20" rx="1" height="8" hf-data-display="inline" hf-data-width="20px" x="2" y="6" id="htflow-3" class="path"></rect><path d="M17 14v7" id="htflow-4" hf-data-width="auto" hf-data-display="inline" class="path"></path><path d="M7 14v7" id="htflow-5" hf-data-width="auto" hf-data-display="inline"></path><path d="M17 3v3" id="htflow-6" hf-data-width="auto" hf-data-display="inline" class="path"></path><path d="M7 3v3" id="htflow-7" hf-data-width="auto" hf-data-display="inline" class="path"></path><path d="M10 14 2.3 6.3" id="htflow-8" hf-data-width="auto" hf-data-display="inline" class="path"></path><path d="m14 6 7.7 7.7" id="htflow-9" hf-data-width="auto" hf-data-display="inline" class="path"></path><path d="m8 6 8 8" id="htflow-10" hf-data-width="auto" hf-data-display="inline" class="path"></path></svg></div><div id="htflow-81" hf-data-width="329px" hf-data-display="block" class="text-2xl-font-semibold-leading-none-tracking-tight-text-royal-blue-7">Mortgages with Bad credit</div></div><div id="htflow-82" hf-data-width="377px" hf-data-display="block" class="p-6-pt-0-flex-grow"><p id="htflow-83" hf-data-width="329px" hf-data-display="block" class="text-slate-grey-7 blue-boxes">A less-than-perfect credit record doesnât have to mean giving up on owning a home. Our specialist advisers can explore lenders and options designed to help you move forward, even if your credit history has a few bumps.</p></div><div id="htflow-84" hf-data-width="377px" hf-data-display="flex" class="flex-items-center-p-6-pt-0-3"><a id="htflow-85" href="/buy-to-let-mortgages" hf-data-width="282.688px" hf-data-display="flex" class="inline-flex-items-center-justify-center-gap-2-whitespace-nowrap-rounded-md-text-sm-font-medium-ring-offset-background-transition-colors-focus-visible-outline-none-focus-visible-ring-2-focus-visible-ring-ring-focus-visible-ring-offset-2-disabled-pointer-events-none-disabled-opacity-50-_svg-pointer-events-none-_svg-size-4-_svg-shrink-0-h-10-text-royal-blue-hover-text-royal-blue-90-p-0-hover-bg-transparent-3">Learn more about <br/>Mortgages with Bad credit â</a></div></div></div></div></section><section class="section-35"></section><section id="htflow-1" hf-data-width="1249px" hf-data-display="block" class="purchase-process"><div id="htflow-2" hf-data-width="1249px" hf-data-display="block" class="container-15"><div id="htflow-3" hf-data-width="1185px" hf-data-display="block" class="text-center-mb-12-2"><h2 id="htflow-4" hf-data-width="1185px" hf-data-display="block" class="text-2xl-md-text-3xl-font-bold-text-royal-blue-mb-4-4">The Property Purchase Process</h2><p id="htflow-5" hf-data-width="672px" hf-data-display="block" class="text-slate-grey-max-w-2xl-mx-auto-3">Buying a property involves several key steps. Here's what you can expect during the purchase process.</p></div><div id="htflow-6" hf-data-width="1185px" hf-data-display="grid" class="grid-gri
235d-cols-1-md-grid-cols-2-lg-grid-cols-3-gap-6 mortgage-options"><div id="htflow-7" hf-data-width="379px" hf-data-display="block" class="rounded-lg-border-bg-card-text-card-foreground-shadow-sm-border-slate-grey-10-hover-shadow-md-transition-shadow-2"><div id="htflow-8" hf-data-width="377px" hf-data-display="flex" class="flex-flex-col-space-y-1-5-p-6-2"><div id="htflow-9" hf-data-width="48px" hf-data-display="flex" class="_w-12-h-12-rounded-full-bg-royal-blue-10-flex-items-center-justify-center-mb-4-8"><svg fill="none" viewBox="0 0 24 24" width="24" height="24" stroke-linecap="round" hf-data-display="block" stroke-width="2" hf-data-width="24px" stroke-linejoin="round" stroke="currentColor" id="htflow-10" xmlns="http://www.w3.org/2000/svg" class="qvcftf"><rect width="16" rx="2" height="20" hf-data-display="inline" hf-data-width="16px" x="4" y="2" id="htflow-11" class="qsxt7i"></rect><line x1="8" x2="16" y1="6" y2="6" id="htflow-12" hf-data-width="auto" hf-data-display="inline" class="ytnjw7"></line><line x1="16" x2="16" y1="14" y2="18" id="htflow-13" hf-data-width="auto" hf-data-display="inline" class="lx8p0r"></line><path d="M16 10h.01" id="htflow-14" hf-data-width="auto" hf-data-display="inline" class="kp8o50"></path><path d="M12 10h.01" id="htflow-15" hf-data-width="auto" hf-data-display="inline" class="yhhyxl"></path><path d="M8 10h.01" id="htflow-16" hf-data-width="auto" hf-data-display="inline" class="bhg36u"></path><path d="M12 14h.01" id="htflow-17" hf-data-width="auto" hf-data-display="inline" class="_6z23am"></path><path d="M8 14h.01" id="htflow-18" hf-data-width="auto" hf-data-display="inline" class="_9djp11"></path><path d="M12 18h.01" id="htflow-19" hf-data-width="auto" hf-data-display="inline" class="eyh1is"></path><path d="M8 18h.01" id="htflow-20" hf-data-width="auto" hf-data-display="inline" class="wsg71q"></path></svg></div><div id="htflow-21" hf-data-width="329px" hf-data-display="block" class="text-2xl-font-semibold-leading-none-tracking-tight-text-royal-blue-8">Determine Your Budget</div></div><div id="htflow-23" hf-data-width="377px" hf-data-display="block" class="p-6-pt-0-2"><p id="htflow-24" hf-data-width="329px" hf-data-display="block" class="text-slate-grey-11">Understand how much you can afford to borrow and what your monthly payments might be. Consider additional costs like stamp duty, legal fees, and moving expenses.</p></div></div><div id="htflow-25" hf-data-width="379px" hf-data-display="block" class="rounded-lg-border-bg-card-text-card-foreground-shadow-sm-border-slate-grey-10-hover-shadow-md-transition-shadow-2"><div id="htflow-26" hf-data-width="377px" hf-data-display="flex" class="flex-flex-col-space-y-1-5-p-6-3"><div id="htflow-27" hf-data-width="48px" hf-data-display="flex" class="_w-12-h-12-rounded-full-bg-royal-blue-10-flex-items-center-justify-center-mb-4-9"><svg fill="none" viewBox="0 0 24 24" width="24" height="24" stroke-linecap="round" hf-data-display="block" stroke-width="2" hf-data-width="24px" stroke-linejoin="round" stroke="currentColor" id="htflow-28" xmlns="http://www.w3.org/2000/svg" class="pvkgy3"><rect width="8" rx="1" height="4" ry="1" hf-data-display="inline" hf-data-width="8px" x="8" y="2" id="htflow-29" class="_1hau6l"></rect><path d="M16 4h2a2 2 0 0 1 2 2v14a2 2 0 0 1-2 2H6a2 2 0 0 1-2-2V6a2 2 0 0 1 2-2h2" id="htflow-30" hf-data-width="auto" hf-data-display="inline" class="mztlgp"></path><path d="m9 14 2 2 4-4" id="htflow-31" hf-data-width="auto" hf-data-display="inline" class="o9gpkk"></path></svg></div><div id="htflow-32" hf-data-width="329px" hf-data-display="block" class="text-2xl-font-semibold-leading-none-tracking-tight-text-royal-blue-8">Get a Mortgage in Principle</div></div><div id="htflow-34" hf-data-width="377px" hf-data-display="block" class="p-6-pt-0-2"><p id="htflow-35" hf-data-width="329px" hf-data-display="block" class="text-slate-grey-11">This gives you an indication of what you might be able to borrow, making you a more attractive buyer when you make an offer.</p></div></div><div id="htflow-36" hf-data-width="379px" hf-data-display="block" class="rounded-lg-border-bg-card-text-card-foreground-shadow-sm-border-slate-grey-10-hover-shadow-md-transition-shadow-2"><div id="htflow-37" hf-data-width="377px" hf-data-display="flex" class="flex-flex-col-space-y-1-5-p-6-4"><div id="htflow-38" hf-data-width="48px" hf-data-display="flex" class="_w-12-h-12-rounded-full-bg-royal-blue-10-flex-items-center-justify-center-mb-4-10"><svg fill="none" viewBox="0 0 24 24" width="24" height="24" stroke-linecap="round" hf-data-display="block" stroke-width="2" hf-data-width="24px" stroke-linejoin="round" stroke="currentColor" id="htflow-39" xmlns="http://www.w3.org/2000/svg" class="iz1ij2"><circle cx="11" cy="11" r="8" id="htflow-40" hf-data-width="auto" hf-data-display="inline" class="_35c1ie"></circle><path d="m21 21-4.3-4.3" id="htflow-41" hf-data-width="auto" hf-data-display="inline" class="_6juhox"></path></svg></div><div id="htflow-42" hf-data-width="329px" hf-data-display="block" class="text-2xl-font-semibold-leading-none-tracking-tight-text-royal-blue-8">Find Your Property</div></div><div id="htflow-44" hf-data-width="377px" hf-data-display="block" class="p-6-pt-0-2"><p id="htflow-45" hf-data-width="329px" hf-data-display="block" class="text-slate-grey-11">Search for properties within your budget, considering location, property type, and your specific requirements.</p></div></div><div id="htflow-46" hf-data-width="379px" hf-data-display="block" class="rounded-lg-border-bg-card-text-card-foreground-shadow-sm-border-slate-grey-10-hover-shadow-md-transition-shadow-2"><div id="htflow-47" hf-data-width="377px" hf-data-display="flex" class="flex-flex-col-space-y-1-5-p-6-5"><div id="htflow-48" hf-data-width="48px" hf-data-display="flex" class="_w-12-h-12-rounded-full-bg-royal-blue-10-flex-items-center-justify-center-mb-4-11"><svg fill="none" viewBox="0 0 24 24" width="24" height="24" stroke-linecap="round" hf-data-display="block" stroke-width="2" hf-data-width="24px" stroke-linejoin="round" stroke="currentColor" id="htflow-49" xmlns="http://www.w3.org/2000/svg" class="ms0eyc"><path d="M15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8" id="htflow-50" hf-data-width="auto" hf-data-display="inline" class="bqycm7"></path><path d="M3 10a2 2 0 0 1 .709-1.528l7-5.999a2 2 0 0 1 2.582 0l7 5.999A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z" id="htflow-51" hf-data-width="auto" hf-data-display="inline" class="ppvk17"></path></svg></div><div id="htflow-52" hf-data-width="329px" hf-data-display="block" class="text-2xl-font-semibold-leading-none-tracking-tight-text-royal-blue-8">Make an Offer</div></div><div id="htflow-54" hf-data-width="377px" hf-data-display="block" class="p-6-pt-0-2"><p id="htflow-55" hf-data-width="329px" hf-data-display="block" class="text-slate-grey-11">When you've found a property you like, make an offer through the estate agent, who will negotiate on your behalf.</p></div></div><div id="htflow-56" hf-data-width="379px" hf-data-display="block" class="rounded-lg-border-bg-card-text-card-foreground-shadow-sm-border-slate-grey-10-hover-shadow-md-transition-shadow-2"><div id="htflow-57" hf-data-width="377px" hf-data-display="flex" class="flex-flex-col-space-y-1-5-p-6-6"><div id="htflow-58" hf-data-width="48px" hf-data-display="flex" class="_w-12-h-12-rounded-full-bg-royal-blue-10-flex-items-center-justify-center-mb-4-12"><svg fill="none" viewBox="0 0 24 24" width="24" height="24" stroke-linecap="round" hf-data-display="block" stroke-width="2" hf-data-width="24px" stroke-linejoin="round" stroke="currentColor" id="htflow-59" xmlns="http://www.w3.org/2000/svg" class="ksvzyq"><path d="M15 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7Z" id="htflow-60" hf-data-width="auto" hf-data-display="inline" class="a0ijng"></path><path d="M14 2v4a2 2 0 0 0 2 2h4" id="htflow-61" hf-data-width="auto" hf-data-display="inline" class="_45rpoh"></path><path d="M10 9H8" id="htflow-62" hf-data-width="auto" hf-data-display="inline" class="_1uqotq"></path><path d="M16 13H8" id="htflow-63" hf-data-width="auto" hf-data-display="inline" class="xzluyg"></path><path d="M16 17H8" id="htflow-64" hf-data-width="auto" hf-data-display="inline" class="hw6y4y"></path></svg></div><div id="htflow-65" hf-data-width="329px" hf-data-display="block" class="text-2xl-font-semibold-leading-none-tracking-tight-text-royal-blue-8">Legal Process & Surveys</div></div><div id="htflow-67" hf-data-width="377px" hf-data-display="block" class="p-6-pt-0-2"><p id="htflow-68" hf-data-width="329px" hf-data-display="block" class="text-slate-grey-11">Once your offer is accepted, you'll need a solicitor to handle the legal work and a surveyor to check the property's condition.</p></div></div><div id="htflow-69" hf-data-width="379px" hf-data-display="block" class="rounded-lg-border-bg-card-text-card-foreground-shadow-sm-border-slate-grey-10-hover-shadow-md-transition-shadow-2"><div id="htflow-70" hf-data-width="377px" hf-data-display="flex" class="flex-flex-col-space-y-1-5-p-6-7"><div id="htflow-71" hf-data-width="48px" hf-data-display="flex" class="_w-12-h-12-rounded-full-bg-royal-blue-10-flex-items-center-justify-center-mb-4-13"><svg fill="none" viewBox="0 0 24 24" width="24" height="24" stroke-linecap="round" hf-data-display="block" stroke-width="2" hf-data-width="24px" stroke-linejoin="round" stroke="currentColor" id="htflow-72" xmlns="http://www.w3.org/2000/svg" class="dfca9z"><path d="m15.5 7.5 2.3 2.3a1 1 0 0 0 1.4 0l2.1-2.1a1 1 0 0 0 0-1.4L19 4" id="htflow-73" hf-data-width="auto" hf-data-display="inline" class="mqe6rr"></path><path d="m21 2-9.6 9.6" id="htflow-74" hf-data-width="auto" hf-data-display="inline" class="cwrphu"></path><circle cx="7.5" cy="15.5" r="5.5" id="htflow-75" hf-data-width="auto" hf-data-display="inline" class="i44m4o"></circle></svg></div><div id="htflow-76" hf-data-width="329px" hf-data-display="block" class="text-2xl-font-semibold-leading-none-tracking-tight-text-royal-blue-8">Exchange & Completion</div></div><div id="htflow-78" hf-data-width="377px" hf-data-display="block" class="p-6-pt-0-2"><p id="htflow-79" hf-data-width="329px" hf-data-display="block" class="text-slate-grey-11">Exchange of contracts makes the deal legally binding. 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235ta-display="inline" class="footer-info-link---text">Careers</a></li></ul></div><div id="htflow-44" hf-data-width="310px" hf-data-display="block" class="footer---grid-3"><h3 id="htflow-45" hf-data-width="310px" hf-data-display="block" class="footer---grid-header">Contact Us</h3><address id="htflow-46" hf-data-width="310px" hf-data-display="block" class="footer---grid-3-links"><p id="htflow-47" hf-data-width="310px" hf-data-display="block" class="footer---address-line-1-text">Beehive Works, Milton Street,</p><p id="htflow-48" hf-data-width="310px" hf-data-display="block" class="footer---address-line-2-text">Sheffield, S3 7WL</p><p id="htflow-49" hf-data-width="310px" hf-data-display="block" class="footer---address-line-3-text">Tel: 0114 3031031 <br/>Freephone: 0800 8620811</p><p id="htflow-50" hf-data-width="310px" hf-data-display="block" class="footer---address-line-4-text">Email: [email protected]</p></address></div><div class="footer---grid-4"><div class="footer---newsletter-info"><div class="footer-newsletter-info---text"><div class="footer-newsletter---title"><h3 id="htflow-45" hf-data-width="310px" hf-data-display="block" class="footer---grid-header">Newsletter</h3></div><div class="footer-newsletter-title---text"><div class="footer-newsletter-pragraph---text">Subscribe to our newsletter for the latest mortgage news and offers.</div></div></div></div><div id="Falcon-Form" class="w-form"><form id="wf-form-Falcon-Email" name="wf-form-Falcon-Email" data-name="Falcon Email" method="post" data-wf-page-id="6847170e93445a3be34292bb" data-wf-element-id="9ff9534f-4337-8f27-1b00-fa8dc1f38112" data-turnstile-sitekey="0x4AAAAAAAQTptj2So4dx43e"><input class="subscription-email w-input" maxlength="256" name="Subscription-Email" data-name="Subscription Email" placeholder="Your email" type="email" id="Subscription-Email" required=""/><input type="submit" data-wait="Please wait..." class="email-subscribe w-button" value="Subscribe"/></form><div class="w-form-done"><div>Thank you! Your submission has been received!</div></div><div class="w-form-fail"><div>Oops! Something went wrong while submitting the form.</div></div></div></div></div><div id="htflow-51" hf-data-width="1336px" hf-data-display="block" class="footer---grids-2"><div id="htflow-52" hf-data-width="896px" hf-data-display="block" class="footer-grids2---text"><p id="htflow-53" hf-data-width="896px" hf-data-display="block" class="footer-grids2---line">We do not charge a fee for an initial mortgage or loan consultation. However, there may be a fee for arranging your mortgage or Homeowner loan application.</p><p id="htflow-54" hf-data-width="896px" hf-data-display="block" class="footer-grids2---line">The precise amount will depend on your circumstances but a typical fee for a mortgage is £795. Commercial mortgages and most Buy to Let Mortgages and Bridging Loans are not regulated by the Financial Conduct Authority.</p><p id="htflow-55" hf-data-width="896px" hf-data-display="block" class="footer-grids2---lines">Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.</p></div></div><div id="htflow-56" hf-data-width="1336px" hf-data-display="flex" class="footer---grids-3"><div id="htflow-57" hf-data-width="571.086px" hf-data-display="block" class="footer---grids-3-lhs-text"><p id="htflow-58" hf-data-width="571.086px" hf-data-display="block" class="footer-grids-3-lhs---fc-text-1">©2025 Friends Capital. All rights reserved.</p><p id="htflow-59" hf-data-width="571.086px" hf-data-display="block" class="footer-grids-3-lhs---fc-text-2">Friends Capital Limited is authorised and regulated by the Financial Conduct Authority.</p></div><div id="htflow-60" hf-data-width="290.977px" hf-data-display="flex" class="footer---grids-3-rhs-text"><a id="htflow-61" href="/privacy-policy" hf-data-width="92.5703px" hf-data-display="block" class="footer-grids-3-rhs---text">Privacy Policy</a><a href="/terms-and-conditions" class="footer-grids-3-rhs---text">Terms and conditions</a><a id="htflow-63" href="/cookie-policy" hf-data-width="53.6484px" hf-data-display="block" class="footer-grids-3-rhs---text">Cookie Policy</a></div></div><div class="storyborad-digital"><a id="htflow-59" hf-data-width="571.086px" hf-data-display="block" href="https://www.storyboarddigital.co.uk/" class="footer-grids-3-lhs---fc-text-2 w-node-_9a13d341-2a7a-e094-7f7d-d937fe276d7b-c1f380cd">Website Powered by Storyboard Digital </a><img src="https://cdn.prod.website-files.com/67ffb19f2f92d0214baae3cf/688257cb14598b4022f95de8_Main%20Logo%20White.webp" loading="lazy" id="w-node-ad02048b-5041-1065-f6bc-334945ebcd04-c1f380cd" sizes="(max-width: 1234px) 100vw, 1234px" alt="storyboard digital logo" srcset="https://cdn.prod.website-files.com/67ffb19f2f92d0214baae3cf/688257cb14598b4022f95de8_Main%20Logo%20White-p-500.webp 500w, https://cdn.prod.website-files.com/67ffb19f2f92d0214baae3cf/688257cb14598b4022f95de8_Main%20Logo%20White-p-800.webp 800w, https://cdn.prod.website-files.com/67ffb19f2f92d0214baae3cf/688257cb14598b4022f95de8_Main%20Logo%20White.webp 1234w" class="image-8"/></div></div></footer>
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322 323 324<!-- GA4 conversion tracking (Friends Capital, 17 Sept 2026) 325 generate_lead = successful enquiry / callback / mortgage form submission (key event) 326 click_to_call = click or tap on a phone number link (key event) 327 email_click = click on an email link 328 guide_download = 'Email Form 2' guide download form 329 newsletter_signup = 'Falcon Email' footer newsletter form 330 Events only reach Google if the visitor has accepted cookies (GA4 is not loaded otherwise). 331 No names, emails, phone numbers or messages entered by visitors are sent. -->
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