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0800 121 8899What you’ll need to have to hand:
Whether you call us or speak to a mortgage advisor, this is the information you’ll need to provide:
About you
- Full name
- Current address, and addresses for the previous 3 years
- Date of birth
We’ll ask for evidence that proves who you are and where you live, for example, a valid UK passport or UK photocard driving licence, along with a UK‐based utility bill. To see more details about identification click here.
About the property
- Purchase price / value
If you already have a mortgage:
- How much you owe
- What the monthly repayments are
- Who the mortgage lender is
About your earnings
We’ll need:
- Employed? Payslips for the last three months
- Self‐employed? Directors with more than a 20% share require an Accountant's certificate covering the most recent year's accounting period. Sole Traders/partnerships require the latest years HMRC tax calculation and latest years HMRC Tax Year Overview.
- Contractor? Copies of contracts demonstrating continuous employment in contracting over the last 2 years. An employer’s reference giving full details of the current contract. There must be a minimum of 6 months remaining on the existing contract. If there is less than 6 months remaining, this is only acceptable if the employer confirms in writing that the contract will be renewed for a minimum of a further 6 months or provides a copy of the new contract.
We’ll ask you for details of all your income including:
- Gross annual income
- Gross annual bonus
- Overtime, shift allowances and commission
- Other allowances
- Gross dividend income for the last two years
- Gross share of net profits
- Pension income – private and state
- Rental income from other properties
About any credit commitments you have
- Credit and store cards – including the provider, your credit limit and how much you currently owe
- Other mortgages, both residential and Buy to Let – with outstanding balances and current monthly mortgage payments
- Ground rent and service charges
- Secured and unsecured personal loans, including student loans
- Hire purchase agreements and lease payments
- Home insurance (building and contents)
- Life assurance
- Pension contributions
- Nursery/childminding fees
- School fees
- Maintenance payments