🎄Dreaming of spending this Christmas in a new home? You’re not alone. Every year, thousands of hopeful buyers set their sights on a pre-Christmas move — but many don’t realise just how much forward planning it takes to make it happen. If you want to be settled by the tree this December, the time to act is now. 🏡

 

Buying a home — especially your first — is a big step. It’s exciting, but it can be stressful if you leave things too late. That’s why we’ve broken the process into 10 essential steps to get you from browsing Rightmove to hanging the tinsel in your new place by December.

 

1. Work Backwards from Your Deadline ⏳

Let’s start with a bit of maths. On average, it takes 12–16 weeks from getting an offer accepted to completing a purchase — and that’s assuming everything goes smoothly. Add in a few weeks before that to get a mortgage approved, find the right property, and make your offer.

That means August and September are ideal months to get things underway. Starting later than October could make a pre-Christmas move very tricky — especially with holidays, solicitor closures, and seasonal delays in the mix.

 

2. Get Your Mortgage Agreement in Principle (AIP) 📄

Before you start booking viewings, you need to know how much you can borrow. That’s where a Decision or Agreement in Principle (AIP) comes in. It’s a quick initial check by a lender to confirm what you might be eligible for — and it shows estate agents and sellers that you’re serious.

Getting your AIP early speeds everything up and avoids disappointment later. At Mc Daid Mortgages, we help clients secure their AIP quickly and accurately — so you can house-hunt with confidence.

 

3. Get Your Finances in Shape 💰

Lenders will look at your credit history, income, spending, and deposit. Now’s the time to review your credit report, pay down any debts where possible, and avoid unnecessary credit applications.

Make sure you’ve also set aside funds for the deposit (typically at least 5–10% of the property price), legal fees, surveys, and moving costs. If you’re not sure how much you’ll need, we can help you budget.

 

4. Talk to a Mortgage Adviser Early 🧑‍💼

The earlier you get mortgage advice, the better. Speaking to a qualified adviser means you’ll get a clearer picture of:

• How much you can borrow
• What deals are available
• Which lenders suit your income and credit profile
• How to improve your application
• What paperwork you’ll need

At Mc Daid Mortgages, we’ve been guiding clients in the North of Ireland since 1996. We search the whole of the market to find the right mortgage for your circumstances — and we stay by your side every step of the way.

 

5. Find the Right Property — and Move Quickly 🏡

The housing market is competitive. Homes in desirable areas can get snapped up fast, so being organised helps. Once you’ve got your AIP and finances sorted, start viewing homes that fit your budget and preferences.

Tip: Don’t wait for the “perfect” property. Look for potential — something that meets your must-haves and feels like a place you can make your own. Delaying decisions too long could cost you valuable weeks.

 

6. Instruct a Solicitor Early 📑

Once you’ve had an offer accepted, legal work begins. Choose your solicitor early and make sure they’re ready to act quickly. The faster you return paperwork and answer queries, the quicker things can progress.

If you don’t have a solicitor in mind, we can connect you with reputable local firms who know how to keep the process moving.

 

7. Get Your Insurances Sorted 🛡️

Many people leave protection to the last minute — but it should be part of your planning from the beginning. You’ll need:

• Buildings insurance (mandatory to complete most mortgages)
• Life insurance to protect your loved ones
• Income protection or critical illness cover in case the unexpected happens

We can review all your insurance needs alongside your mortgage and find competitive cover tailored to your situation.

 

8. Avoid Common Pitfalls 🚫

A few things can slow down — or even derail — your move:

• Not having your documents ready: Make sure your ID, bank statements, payslips, and credit report are available.
• Changing jobs mid-process: This can complicate your application.
• Applying for credit during the mortgage process: It can affect your eligibility.
• Being unprepared for questions from your solicitor or lender.

We help our clients avoid these headaches by preparing them properly from day one.

 

9. Consider New Builds or Chain-Free Options 🧱

If you’re determined to move in before Christmas, consider chain-free properties, vacant homes, or new builds nearing completion. These often have quicker turnaround times and fewer hold-ups than transactions involving multiple sellers and buyers.

 

10. Stay Positive and Be Ready to Act 🎯

The process can feel overwhelming, especially if you’re a first-time buyer — but with the right guidance, it’s entirely manageable. Start early, stay organised, and keep your eye on the goal: enjoying Christmas in your very own home.

 

🎁 How Mc Daid Mortgages Can Help

✅ Local Experts Since 1996 – Trusted advice from people who understand the local market
✅ Whole of Market Access – We search far and wide to find the right deal for YOU
✅ No Upfront Fee – You only pay a fee if we arrange your mortgage without insurance
✅ Fully Qualified & Regulated – Peace of mind that you’re in safe, professional hands
✅ Friendly, Personal Service – We’re on your side from start to finish
✅ Regular Updates – We’ll keep you informed every step of the way
✅ Help with Protection Too – Life insurance, income cover, and more — we’ve got you covered

 

📞 Call us: 07968155176
📍 Visit us: 40, Coneyville, Derry, BT48 8FW
📧 Email us: pat@mcdaidmortgages.co.uk
🌐 Website: www.mcdaidmortgages.com

 

Your home may be repossessed if you do not keep up repayments on your mortgage.
As with all insurance policies, conditions and exclusions will apply.