There’s something about summer that makes moving feel more manageable. The longer days, brighter evenings, and the idea of settling into a new space before autumn can be a big motivator. If you’re hoping to make a move in the next couple of months, it’s a good idea to start thinking about your mortgage now.

Getting your finances in order is a sensible first step. This means taking a clear look at what you can afford and how your income, regular spending, and credit history might be viewed by a lender. If you haven’t checked your credit score recently, doing so can help you avoid surprises later on.

From there, it's worth getting your documents ready. Lenders usually ask for proof of identity, recent payslips or income records, and bank statements. Having everything prepared in advance helps keep the process moving without unnecessary delays, especially during the busy summer period.

It’s also the right time to speak to a mortgage adviser. Whether you’re buying for the first time or moving on from your current home, getting advice that’s tailored to your circumstances can make a big difference. At Just Mortgages, our advisers take the time to understand your goals and explain the options available to you. It's about helping you make informed choices, based on what works best for your situation.

Once you’ve talked through your options, arranging an Agreement in Principle can give you a clearer picture of your budget and show estate agents that you’re ready to move forward. In many cases, this can be turned around quickly, so you can focus on finding the right property.

Every move is different, but with a bit of preparation and the right support, you could be in your new home in time to enjoy the rest of the summer.

 

Thinking about moving? We're here to offer advice that suits your plans.

→ Book your no obligation appointment with Just Mortgages

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Approved by The Openwork Partnership on 12/06/2025.