When you have a mortgage appointment lined up, being well-prepared can make the process smoother and more efficient. Your adviser will brief you ahead of time as to what’s required, and it’s good practice to have all of the necessary documentation to hand.
Each lender will have their own individual requirements and criteria, so please bear this in mind when completing the checklist, as your lender may require more or less than what’s listed below.
Take a look at the checklist below to get a sense of what lenders will be looking for:
- Last three months' bank statements
- Last three months' wage slips and details of any guaranteed overtime, bonus or commission
- The last three years' proof of accounts and SA302 (if self-employed)
- Any details of existing mortgage/loans or credit card commitments
- Any details of any arrears, defaults, County Court Judgments (if applicable)
- Details of any existing life insurance, endowment, savings, pensions or healthcare policies
- Identification, e.g. driving licence or passport (you’ll only need this if your appointment is face-to-face/or after your initial call to allow us to process things for you)
- Proof of address, e.g. utility bill dated within last three months
- P60 (if available)
If there’s anything you’re not sure about, you should get in touch with your adviser ahead of your appointment. They’ll be able to work with you to make sure you have everything you need, ensuring that the mortgage application process runs smoothly from start to finish.
Important information
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
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