It is therefore important that the facts made available to the mortgage lender are correct the first time, as false information is reprehensible by its sub-authors and can lead to rejecting your case or changing the conditions they wish to offer. This article contains general information about the mortgage contract process in principle. I highly recommend that your first point of contact after reading this article is to go to a professional and independent mortgage broker like Niche Advice, who is preparing for your specific case and circumstances. You will also be able to give advice on the home buying process and the complete application processes. Most lenders do a “hard” credit search before offering you an agreement in principle that leaves a trace in your credit report.