If you choose to meet with a mortgage adviser beforehand, you’ll be able to get a much more realistic idea of the process, any fees involved, and what you can afford within your budget. They can also give you advice on the types of property you might be considering and any government-backed schemes that might be able to help. Remember, mortgage advisers know the market better than anyone! You can also discuss options for a mortgage Agreement in Principle. AIPs are time-limited, and tend to be valid between 30-90 days, but will act as a ‘provisional’ agreement between you and your chosen mortgage provider. It also allows things to move much quicker should you have an offer accepted on a house you love!