Cashback Mortgage Guide for Buying Your Home

Cashback Mortgage Guide for Buying Your Home

With C2 Mortgages, you’ll get no broker fees, full support, and cashback on every product and service you arrange through us – from your mortgage to your surveys.

Buying a home doesn’t need to be complicated. We keep everything clear, calm and easy to follow.

You get cashback on: *Terms and Conditions Apply

• Mortgages
• Insurance
• Protection
• Conveyancing*
• Valuations & surveys*
• Will writing*

And remember: you’ll never pay a broker fee.

Cashback Mortgage Process – Step by Step

1. Work Out What You Can Afford

We review your income, deposit, spending and monthly commitments to set a realistic, comfortable budget. Plus – no broker fees, and cashback available on everything arranged through us, giving you a helpful cash lump sum to ease early costs associated with buying.

2. Get Your Mortgage in Principle

A Mortgage in Principle shows how much you can borrow and helps estate agents take your offer seriously. We’ll guide you through every step and explain any credit checks involved so you understand how your lender assesses the mortgage application.

3. Start House Hunting

Focus on location, layout, condition and lifestyle fit. If you need help understanding anything you find, we’re here, making the buying process clearer so you feel confident choosing a property that suits both your needs and long-term plans.

4. Make an Offer

We help you understand the market, what’s reasonable and how to negotiate. Once your offer is accepted, the purchase moves forward and we stay with you, supporting you through valuation, conveyancing and every mortgage step that follows.

5. Apply for Your Mortgage (and Protection)

We handle the full mortgage application for you — paperwork, lender communication and everything required. This is also the ideal time to arrange life insurance and protection. You’ll receive cashback on any protection products arranged through us.

6. Arrange a Valuation or Survey

Your lender will carry out a valuation. If you want a detailed survey, we can arrange it with cashback included, helping you understand the property fully before committing and giving you a clear picture of costs associated with buying.

7. Instruct a Conveyancer

Your conveyancer manages all legal work. If you need one, we can refer trusted conveyancers and you’ll receive cashback again, helping offset legal fees and giving you more control over every part of your cashback mortgage journey.

8. Set Up Your Insurance

Buildings insurance is required before exchanging contracts. We’ll advise you on the right policy and you’ll receive cashback on it, giving you essential cover while reducing the cost of insurance when buying a new home.

9. Exchange Contracts

The purchase becomes legally binding. You’ll pay your deposit, agree on a completion date and sign final paperwork, moving one step closer to your new property as your lender prepares your mortgage for completion.

10. Completion Day

Your funds are transferred, legal work completes and you get your keys. You’re officially a homeowner. This is also when you may receive the cashback lump sum when your mortgage successfully completes.

11. (Optional) Create Your Will

Buying a home is the perfect time to consider a will. If you arrange it through us, you’ll also receive cashback on the will-writing service, helping you put long-term plans in place while keeping overall costs manageable.

*These services are offered by a trusted third-party provider. The Financial Conduct Authority do not regulate these.

Final Word

With C2 Mortgages, you get more than guidance – you get a simpler, clearer and more rewarding buying process. We support you at every stage, from your first mortgage conversation to completion day.

Instead of broker fees, you receive cashback on mortgages, protection, insurance, valuations, conveyancing and will writing, giving you a helpful cash boost when moving costs often add up.

Your home may be repossessed if you do not keep up repayments.

FAQ

What’s the difference between lender cashback and C2 Mortgages cashback?

A lender cashback is offered directly by the mortgage lender as part of a mortgage product. It usually provides a cash lump sum when your mortgage completes.

C2 Mortgages cashback works differently. We share part of the commission we receive from providers with you. This means you can receive cashback while still getting full, fee-free mortgage advice.

Can I receive both types of cashback?

Yes, in some situations you may receive cashback from both the lender and from C2 Mortgages. These are separate and do not affect the advice we provide.

Does cashback affect the advice you receive?

No. Our advice is always based on affordability, suitability and the overall cost of the mortgage. Cashback does not influence which mortgage we recommend.

Return to our Help & Learn Guides to explore more mortgage advice and resources.