1. Work out how much deposit you can put down on a property.

2. Get an idea of the maximum value that you can borrow.

3. Decide whether you want to get a repayment or interest only mortgage.

Repayment: choose whether you want a traditional repayment mortgage or a flexible, current account or offset mortgage.

Interest only: choose from an endowment, ISA or pension plan for your investment vehicle.

4. Research the different interest rates. Take into account whether your need to work within a fixed budget but keep an open mind until you have compared different deals on the market place.

5. Research any mortgages which are set up for your particular circumstances for example if you are a first time buyer, if you can not afford a deposit or if you are buying to let.

6. Find a broker you are happy with. Discuss your requirements and be guided by the suggestions they make.

7. Research the suggestions until you reach a final decision. Discuss this with your broker. They will be able to give you an application form.

8. Fill in the form very carefully. Gather together everything needed to accompany your application.

9. Go through your application with your broker to ensure that each part is fill in correctly.