How to prepare for your consultation

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Preparing for your consultation with your mortgage adviser involves several key steps to ensure we can assess your situation accurately and efficiently. Please follow these instructions closely to have everything ready before your appointment. This guide will walk you through each step and how to complete it.

Steps to Prepare for Your Consultation

1. Register for Our Client Portal

You will need to create an account on MyAdviceHub, our client portal, to securely upload your documents.

  • Invitation Email: Look for an email from us inviting you to join MyAdviceHub.
  • Create Your Account: Click the “Create Your Account” button in the email.
  • Privacy Notice: Read and agree to the Privacy Notice.
  • Password Setup: Choose a secure password for your account.
  • Mobile Verification: Enter the verification code sent to your mobile phone.
  • Login: Once verified, log in to MyAdviceHub.

2. Register for Access to Your Credit Report

We recommend using “Check My File” to obtain your credit report, as it provides comprehensive data from all credit reference agencies.

  • Visit Check My File: Click here to go to the Check My File website.
  • Free Access: Register for the free 30-day trial to access your credit report.
  • Download Report: Obtain and download your credit report to share with us.

3. Provide Three Months of Bank Statements

Please ensure you provide three months bank statements that detail all household income and expenditure.

4. Prove Your Identity

Provide a copy of one of the following documents to verify your identity:

  • Passport: A current, full, signed passport.
  • Driving Licence: A full photocard driving licence.

5. Prove Your Income

Different types of income require different supporting documents. Use the following guidance based on your income source:

For Employed Applicants:

  • Payslips: Provide your last 3 months’ payslips.
  • Annual Bonus: Include payslips showing bonus payments over the past two years.
  • Overtime: Provide the most recent March payslip or P60 showing overtime.

For Self-Employed Applicants:

  • SA302/Tax Calculations: Provide the last 3 years’ SA302s or Tax Calculations along with the corresponding Tax Year Overviews. Guidance can be found here.
  • Business Accounts: If you’re a limited company director or shareholder with a 20% or more stake, provide the most recent 2 years of finalised accounts for the company.
  • Business Bank Statements: Include the latest 3 months of business bank statements.

Alternatively, we can coordinate directly with your accountant if more conveninet.

For Maintenance Income:

  • Court Order: Provide the court order if the income is court-ordered.
  • Bank Statements: Include the latest 3 months of bank statements showing maintenance payments.

For State Benefit/Pension Income:

  • Official Documentation: Provide an official benefits or pension letter, or a P60.
  • Bank Statements: Include the latest 3 months of bank statements showing these income credits.

Uploading Your Documents

You can upload your documents to our client portal or send them via WhatsApp to your adviser.

  • Client Portal: Log in to MyAdviceHub here and upload your documents securely.
  • WhatsApp: If you prefer, send your documents directly to your adviser using WhatsApp.

Need Help?

If you have any questions or need assistance with any of the steps, please contact your adviser or case manager before your appointment. We’re here to help ensure everything is in order for your consultation.

Download Microsoft Teams

Click here to download Microsoft Teams for your video link appointment.

By following these steps, you will be well-prepared for your consultation, allowing us to provide you with the best advice and service possible. We look forward to assisting you with your mortgage needs!