Charlie Brain, Mortgage adviser - Forge Financial Solutions Ltd

07/09/2026

Forge Financial Solutions Limited is an Appointed Representative of The Openwork
Partnership a trading style of Openwork Limited which is authorised and regulated by
the Financial Conduct Authority
Approved on 20/07/2026

04/09/2026

01/09/2026

6 hours solid peace! 🙈

19/08/2026

How long does the house-buying process take?

On average, buying a home takes around 8-12 weeks after an offer has been accepted, but it can be quicker or take longer depending on the circumstances.

• Instructing solicitors and applying for your mortgage usually happens first.

• Property searches and surveys can take several weeks.
• Your mortgage lender will carry out checks and issue a formal mortgage offer.

• Once all legal work is complete, contracts are exchanged.

• Completion usually takes place a few days to a few weeks after exchange.

Every purchase is different, but being organised and responding quickly to requests can help keep things moving smoothly.

Forge Financial Solutions Limited is an Appointed Representative of The Openwork Partnership a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority Approved on 04/08/26

18/08/2026

Can I get a mortgage if I'm changing jobs?

Yes, it's often possible to get a mortgage when changing jobs, but it can depend on your circumstances.

• If you're moving to a new permanent job in the same industry, many lenders will consider your application.

• Some lenders may accept a signed employment contract before you've started the new role.

• If you're still in a probationary period, lender options may be more limited.

• Always let your mortgage adviser know about any planned job changes as early as possible.

📞 Every lender has different criteria, so getting advice before making a move can help you find the right mortgage options.

Forge Financial Solutions Limited is an Appointed Representative of The Openwork Partnership a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority Approved on 03/08/2026

13/08/2026

Can gifted deposits be used?
Yes, many lenders accept gifted deposits from family members.
• A gifted deposit is money given to you towards your home purchase that doesn't need to be repaid.
• Parents are the most common source, but some lenders accept gifts from other family members.
• The person giving the gift will usually need to sign a declaration confirming it's a gift and not a loan.
• Lenders may ask for proof of where the money has come from.
• Different lenders have different rules, so it's important to check what's acceptable.
A gifted deposit can be a great way to boost your buying power and help you get onto the property ladder sooner.

Forge Financial Solutions Limited is an Appointed Representative of The Openwork Partnership a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority Approved on 03/08/2026

06/08/2026

Forge Financial Solutions Limited is an Appointed Representative of The Openwork Partnership a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority
Approved on 24/03/2026

04/08/2026

Forge Financial Solutions Limited is an Appointed Representative of The Openwork Partnership a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority
Approved on 05/06/2026