Be Prepared

The first meeting you have with us is to discuss what you are looking to do – whether it is a new purchase/re-mortgage/capital raise/BTL/lifetime mortgage or commercial finance. We will assess your current work and financial situation to source the most suitable lender and mortgage to meet your needs and circumstances.

To help us do this and progress your application as smoothly as possible, please email pdfs of the following information/documentation and bring the originals brought to the meeting:

• Proof of identity for each applicant (e.g. passport/card driving licence*).

• Proof of address for each applicant (e.g. a printed bank statement or utility bill less than 3 months old or card driving licence* or your latest council tax bill).

• Proof of income (Last P60 and last 3 month’s payslips if employed or last 2 years accounts, SA302 and tax year overview if self-employed).

• Last three full months bank statements for the account(s) that your income(s) is paid into and household expenses are paid from.

• Details of any financial commitments (car loan, credit card, buy to let mortgages, HP and monthly payment and term remaining

• Your last mortgage statement (if applicable)

• Your up-to-date credit report. The credit reference agency used by most lenders is

*You can not use the driving licence as both proof of ID and Proof of Address