Before you start looking at properties, it's worth understanding roughly what you can afford and what a lender will consider when assessing your application. This includes your income, any existing debts, your outgoings and the size of deposit you have available. Getting a clear picture early saves time and disappointment later on.
Once you've had an initial conversation with an adviser and know your likely budget, you can start viewing with confidence. When you find a property and have an offer accepted, your adviser submits a full mortgage application to the chosen lender, who will arrange a valuation of the property before making a final decision.
From application to completion typically takes a matter of weeks rather than days, though timings vary depending on the lender and the chain you're part of. Your adviser should keep you updated throughout and your solicitor will handle the legal side of the purchase alongside the mortgage process. Your home may be repossessed if you do not keep up repayments on your mortgage.