Mortgages
Ready for your mortgage appointment?
Preparing for your Mortgage Appointment
Preparing for your mortgage appointment doesn't need to be complicated. Whether you're buying your first home, moving house , remortgaging, or borrowing more, we'll explain what you need to bring and what to expect from your appointment.
On this page, you'll find information on:
- What to expect at your mortgage appointment
- What will I need for my mortgage appointment
- Documents you'll need for your mortgage application
- How much can I borrow?
What to expect at your mortgage appointment
Our mortgage appointments usually last up to 60 minutes depending on the type of appointment and are available face to face or over the phone.
During your appointment, your mortgage adviser will:
- Discuss your mortgage needs and plans
- Talk through your income, spending and financial commitments
- Explain how much you may be able to borrow
- Discuss your deposit and any additional borrowing requirements
- Recommend suitable mortgage options based on your circumstances
- Explain the next steps in the application process
Documents you'll need for your mortgage application
To help us process your mortgage application, please have the following documents available:
- One proof of identity for each applicant
- One proof of address for each applicant
- Proof of income for each applicant
The documents we can accept are listed below.
Documents you'll need for your mortgage application
To help us process your mortgage application, please have the following documents available:
- One proof of identity for each applicant
- One proof of address for each applicant
- Proof of income for each applicant
The documents we can accept are listed below.
Document requirements
The examples below show the documents we can accept as proof of identity, proof of address and proof of income.
Read our Verifying your identity guide for a full list of accepted documents and certification requirements.
We can only accept original or certified copies of these documents. We'll retain copies for our records and to meet our legal and regulatory obligations.
Proof of identity
Please provide one of the following:
- A valid signed passport or EU national identity card
- A valid UK photocard driving licence (full or provisional) - showing your current address and in-date photograph
- A current full UK old style driving licence
Proof of address
Please provide one of the following:
- A utility bill dated within the last 3 months (mobile phone bills are not accepted)
- A council tax bill for the current year
- A bank, building society or credit card statement dated within the last 3 months
Proof of income
Please provide the relevant documents for each applicant.
If you're employed:
- Last 3 months' payslips
- Most recent P60
- Last 3 months' bank statements showing salary payments
If you're self-employed, you'll usually need:
- Last 2 years' accounts, or
- Your SA302 tax calculations and corresponding tax year overviews
- Last 3 months' business or personal bank statements showing income
How much can I borrow?
We'll assess what you can afford to repay based on your income, spending, deposit amount and overall financial situation.
We offer a range of mortgage deals for buying a home, remortgaging, additional borrowing and Buy to Let, each with different lending criteria and deposit requirements.
The amount you may be able to borrow will depend on the mortgage deal selected, your individual circumstances and the loan-to-value (LTV) of the property.
Your Mortgage Adviser will talk through your options and recommend a mortgage that's right for you.
Read our guide to Applying for a mortgage to learn more about eligibility, borrowing and the mortgage application process.
Talk to a Mortgage Adviser
Every mortgage application is different. A Mortgage Adviser can explain how much you may be able to borrow, discuss your options and recommend a mortgage that's right for your circumstances.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
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