What you’ll need for your application
We’ll allocate a qualified mortgage adviser to take you through the whole process. They’ll be able to advise which product best suits your requirements by the information you give them. You can have a face-to-face or telephone meeting/appointment – whatever works best for you.
We’ll need proof of ID - this can include a passport or a driving licence.
We’ll ask you for 3 months recent payslips and bank statements to confirm your income as your income and outgoings will help us determine how much you can borrow. You’ll need to think about the impact any future rise in interest rates would have on your finances.
We’ll need your consent to check your personal financial data to help us assess your mortgage application so we can complete it as efficiently as possible.
What happens after I’ve applied for a mortgage?
The next step is for us to make you a mortgage offer. Before we can do this, we’ll need a valuation of the property.
We’ll instruct an approved valuer to carry out a Lender’s Valuation and we’ll need to charge for this.