What do I need to do to get a mortgage?

Our list below provides you with a few hints and tips on things you may need to get a mortgage. If you are unsure, then all of our mortgage brokers offer a free 30 minute consultation and you can get free no obligation quotes

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  • 1.

    INCOME: You need to show that you have got money coming in from employment, dividends or even benefits to keep up the repayments on your mortgage.

  • 2

    CREDIT CHECK; One of the most important pieces for a Mortgage Lender, this tells the provider how likely you are at repaying the mortgage. It also lets them know how long you have been registered on the property for.

  • 3

    CONTINUITY: Being at your current address for 3 years or more is a great start. Make sure you have a few bills in your name and you driving licence and bank statements reflect the correct address.

  • 4

    DEPOSIT: The 100% mortgages have just about gone, 10% at least will help your mortgage application, 25% and you will secure some of the best rates in the market place.

  • 5

    FIND A HOME: Its always handy if you have got a property to buy, check out websites such as Zoopla and Rightmove to help you.

  • 6

    CONTACT US: Get in touch with us via 03333 44 85 11 or via our QUICK QUOTE system. Our brokers will then go through everything that is required from you.

  • 7

    MORTGAGE BROKERS: Our Mortgage brokers will not establish to see if you are eligible for the mortgage offer that has been made. They complete a document called a fact find, the more information the broker has the better the service they can offer.

  • 8

    DECISION IN PRINCIPLE: This is the document that you can produce to the Estate Agents to show that you are serious about the property you’d like to purchase. The Mortgage Lender will complete the credit check to ensure you are eligible for the mortgage.

  • 9

    APPLICATION: Our mortgage brokers will do a full application to the chosen mortgage lender, they will collect the money from you to carry out a valuation and of course, collect information to prove your income and identity documents. Most brokers will have already taken the majority of this information from you.

  • 10

    THE OFFER: The mortgage lender will issue you with a formal offer, so that you can buy your new home.

Quick Quote Enquiry Form...

What is the value of the Property

What Mortgage amount required?

How soon do you require a Mortgage?

What is the Annual Income of Applicant No.1

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FCA Introducer
Your home may be repossessed if you do not keep up repayments on a mortgage or other loans secured on it. Think carefully before securing other debts against your homes.
There will be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances.
The fee is up to 1% of the amount borrowed.