Your mortgage adviser will ask about your age, employment status, address history and whether you're applying alone or jointly. This helps them understand your circumstances and identify mortgage lenders and products that may be suitable for you.
We'll discuss your income, employment, monthly expenses, existing debts and deposit savings. Whether you're employed or self-employed, your mortgage adviser will assess your affordability and help establish how much you could realistically borrow.
If you've found a property, we'll ask about its purchase price, location, type and your proposed deposit. Still looking? That's fine. We can help establish your budget before you start searching for your new home.
Your adviser will discuss your mortgage preferences, including fixed or variable interest rates, repayment terms and monthly budget. They'll explain the available options and recommend a suitable mortgage based on your needs and circumstances.
Yes, your mortgage adviser may ask about previous credit problems, missed payments or existing financial commitments. Being open about your credit history helps identify suitable lenders and avoid mortgage applications that are unlikely to succeed.
Yes. Mortgage lenders usually check your credit history to assess how you've managed borrowing and repayments. There's no universal minimum credit score, as each lender has different criteria. Your mortgage adviser can help identify suitable options.
Employed applicants typically need recent payslips and sometimes a P60. Self-employed applicants may need SA302 tax calculations, tax year overviews or company accounts. Requirements vary depending on the lender and your employment circumstances.
Most lenders require evidence of your deposit, usually through savings or bank statements. If you're receiving a gifted deposit, you may also need a signed gift declaration and evidence showing where the funds originated.
You'll usually need photographic identification, such as a valid passport or driving licence, alongside proof of your current address. Accepted documents may include utility bills, council tax statements or bank statements.
YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.