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 and send everything to your adviser before your appointment. This guide will walk you through each step and how to complete it.

1. Read This Important Information

Click here to access the documents that provide you with the information you need to know about the service we provide.

• Our Mortgage & Insurance Proposition: Summarises our level of service, market access, costs and complaint procedure.
• Our Support Guide: Details additional support available to meet your needs appropriately.
• Provider Lists: These show the lenders and insurers we work with to ensure you receive the most suitable product for your circumstance.
• Data Protection: Read our leaflet explaining how we use your information and protect your privacy

2. Register for Access to Your Credit Report

Your adviser will need access to your credit report.  If you do not already subscribe to a provider, 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 and share a copy or your login credentials with your adviser .

3. Provide Three Months 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 liaise directly with your accountant if more convenient.

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.

7. Proof of deposit (Purchase Only)

• Confirmation of its origin (savings, gift, etc.)
• Bank statement showing cleared funds

8. Complete a budget planner

• Click here to access our budget planner for completion prior to your appointment.
• First-time buyer do not need to complete this.