Request Information

How many applicant(s) are applying for a mortgage? (Select all that apply if jointly)
(If Jointly: As your new mortgage will be in joint names, you should be aware that individually you are each responsible for ensuring that the mortgage payments continue and for the eventual repayment of the loan. This will continue to be the case even if one of you is no longer contributing financially to the payments for whatever reason)

Section 1: Personal & Family Details

1.1 Personal Details
Applicant 1
Your Title?
Your middle name(s)?
(If none, enter N/A)
Your previous/maiden name if any?
(If none, enter N/A)
Your marital status?
If joint – Your relationship to the other applicant(s)?
Your preferred contact method(s)?
(Select all that apply)
Your preferred contact time(s)?
(Select all that apply)
Your tax rate?
Your country of residence?
Your nationality?
Your Visa status?
What are your future plans?

1.2 Address History (Please Provide Last 3 Years Address History)
Applicant 1
Your current residential status?
p.m.

Previous Address History
(If you have lived at your current address for less than three years, please provide your last 3 years addresses history)
Applicant 1

1.3 Children & Dependants Details
Do you have any children or dependants who are financially dependent on the you?
If Yes - Name of child or Dependant?
Child or Dependant's date of birth?
Which applicant(s) are Dependant upon?
(Select all that apply if jointly)
Dependant relationship to applicant(s)?
Hom many more years going to be Dependant?
Year(s)
Do you have any more children or dependants who are financially dependent on you?
1.4 Health Details
Applicant 1
1.5 Will Planning
Applicant 1
Do you have an up to date will?
(If you die without making a will, you are said to have died ‘intestate’. In this situation, your estate is divided up according to the statutory rules of intestacy, which may not reflect your wishes. You are strongly advised to consider this area of financial planning if you have no Will in place)
1.6 Religious Details
Applicant 1
Do you have any religious beliefs that could affect mortgage planning?
e.g. Sharia compliant mortgage required.

Section 2: Main Employment Details

2.1 Main Employment Status Details
Applicant 1
What is your main employment status?
2.2 Main Employment Details
(Please provide last 2 years employment history)
Applicant 1
What is the basis of your main employment?
Hour(s)
What would your annual salary / income be on your return to work before tax?
p.a.
If Yes – Your previous occupation / job title?
(If none, enter N/A)
Your previous employer’s name?
(If none, enter N/A)
Your previous annual salary / income before tax?
(If none, enter 0.00)
p.a.
Your previous employment start date?
(If none, leave it blank)
Your previous employment end date?
(If none, leave it blank)
If Contractor - Basis of your main contract pay?
How many times has your main contract been renewed with this employer?
Time(s)
How long have you been contracting in month(s)?
Month(s)
2.3 Main Employment Annual Income Before Tax
(You can find the details for this section in your main employment payslips)
Applicant 1
p.a.
Your main employment annual London weighting / large town allowance before tax?
(If none, enter £0.00)
p.a.
Your main employment annual car allowance before tax?
(If none, enter £0.00)
p.a.
Your main employment annual permanent / long-term employer’s mortgage subsidy / housing allowances before tax?
(If none, enter £0.00)
p.a.
Total Main Employment Annual Guaranteed Salary / Income Before Tax?
p.a.
If Yes – How often shift allowances received?
If Paid Weekly – Your latest 12 weeks shift allowances payments before tax?
(Starting with the latest week payments)
(If no payments in any weeks, enter £0.00)
Week 1
Week 2
Week 3
Week 4
Week 5
Week 6
Week 7
Week 8
Week 9
Week 10
Week 11
Week 12
p.a.
If Paid Fortnightly - Your latest 6 lots of fortnightly shift allowances payments before tax?
(Starting with the latest fortnightly payments)
(If no payments in any fortnights, enter £0.00)
Fortnightly 1
Fortnightly 2
Fortnightly 3
Fortnightly 4
Fortnightly 5
Fortnightly 6
p.a.
If Paid Four Weekly - Your latest 3 lots of four weekly shift allowances payments before tax?
(Starting with the latest four weekly payments)
(If no payments in any four weeks, enter £0.00)
Four Weekly 1
Four Weekly 2
Four Weekly 3
p.a.
If Paid Monthly- Your latest 3 months shift allowances payments before tax?
(Starting with the latest month payments)
(If no payments in any months, enter £0.00)
Month 1
Month 2
Month 3
p.a.
If Paid Quarterly – Your latest 4 quarterly shift allowances payments before tax?
(Starting with the latest quarterly payments)
(If no payments in any quarters, enter £0.00)
Quarter 1
Quarter 2
Quarter 3
Quarter 4
p.a.
If Paid Half Yearly – Your latest 4 half yearly shift allowances payments before tax?
(Starting with the latest half yearly payments)
(If no payments in any half years, enter £0.00)
Half Yearly 1
Half Yearly 2
Half Yearly 3
Half Yearly 4
p.a.
If Paid Annually – Your latest 2 years annual shift allowances payments before tax?
(Starting with the latest year payments)
(If no payments in any years, enter £0.00)
Year 1
Year 2
p.a.
If Yes – How often overtime received?
If Paid Weekly – Your latest 12 weeks overtime payments before tax?
(Starting with the latest week payments)
(If no payments in any weeks, enter £0.00)
Week 1
Week 2
Week 3
Week 4
Week 5
Week 6
Week 7
Week 8
Week 9
Week 10
Week 11
Week 12
p.a.
If Paid Fortnightly - Your latest 6 lots of fortnightly overtime payments before tax?
(Starting with the latest fortnightly payments)
(If no payments in any fortnights, enter £0.00)
Fortnightly 1
Fortnightly 2
Fortnightly 3
Fortnightly 4
Fortnightly 5
Fortnightly 6
p.a.
If Paid Four Weekly - Your latest 3 lots of four weekly overtime payments before tax?
(Starting with the latest four weekly payments)
(If no payments in any four weeks, enter £0.00)
Four Weekly 1
Four Weekly 2
Four Weekly 3
p.a.
If Paid Monthly- Your latest 3 months overtime payments before tax?
(Starting with the latest monthly payments)
(If no payments in any months, enter £0.00)
Month 1
Month 2
Month 3
p.a.
If Paid Quarterly – Your latest 4 quarterly overtime payments before tax?
(Starting with the latest quarterly payments)
(If no payments in any quarters, enter £0.00)
Quarter 1
Quarter 2
Quarter 3
Quarter 4
p.a.
If Paid Half Yearly – Your latest 4 half yearly overtime payments before tax?
(Starting with the latest half yearly payments)
(If no payments in any half years, enter £0.00)
Half Yearly 1
Half Yearly 2
Half Yearly 3
Half Yearly 4
p.a.
If Paid Annually – Your latest 2 years annual overtime payments before tax?
(Starting with the latest year payments)
(If no payments in any years, enter £0.00)
Year 1
Year 2
p.a.
If Yes – How often bonus or commission received?
If paid weekly - Your latest 12 weeks bonus or commission payments before tax?
(Starting with the latest week payments)
(If no payments in any weeks, enter £0.00)
Week 1
Week 2
Week 3
Week 4
Week 5
Week 6
Week 7
Week 8
Week 9
Week 10
Week 11
Week 12
p.a.
If paid fortnightly - Your latest 6 lots of fortnightly bonus or commission payments before tax?
(Starting with the latest fortnightly payments)
(If no payments in any fortnights, enter £0.00)
Fortnightly 1
Fortnightly 2
Fortnightly 3
Fortnightly 4
Fortnightly 5
Fortnightly 6
p.a.
If Paid Four Weekly – Your latest 3 lots of four weekly bonus or commission payments before tax?
(Starting with the latest four weekly payments)
(If no payments in any four weeks, enter £0.00)
Four Weekly 1
Four Weekly 2
Four Weekly 3
p.a.
If Paid Monthly - Your latest 3 months bonus or commission payments before tax?
(Starting with the latest monthly payments)
(If no payments in any months, enter £0.00)
Month 1
Month 2
Month 3
p.a.
If Paid Quarterly – Your latest 4 quarterly bonus or commission payments before tax?
(Starting with the latest quarterly payments)
(If no payments in any quarters, enter £0.00)
Quarter 1
Quarter 2
Quarter 3
Quarter 4
p.a.
If Paid Half Yearly – Your latest 4 half yearly bonus or commission payments before tax?
(Starting with the latest half yearly payments)
(If no payments in any half years, enter £0.00)
Half Yearly 1
Half Yearly 2
Half Yearly 3
Half Yearly 4
p.a.
If Paid Annually – Your latest 2 years annual bonus or commission payments before tax?
(Starting with the latest year payments)
(If no payments in any years, enter £0.00)
Year 1
Year 2
p.a.
2.4 Main Employment Monthly Income Deduction Details
(You can find the details for this section in your main employment payslips)
Applicant 1
Is there any deduction from your main monthly income?
(e.g. for children maintenance, employer’s pension, employee share scheme, gym, private healthcare, spousal maintenance, student loan or any other deduction)
If Yes - Monthly deduction for children maintenance?
(If none, enter £0.00)
p.m.
Monthly deduction for employer’s pension?
(If none, enter £0.00)
p.m.
Monthly deduction for employee share scheme?
(If none, enter £0.00)
p.m.
Monthly deduction for gym?
(If none, enter £0.00)
p.m.
Monthly deduction for private healthcare?
(If none, enter £0.00)
p.m.
Monthly deduction for spousal maintenance?
(If none, enter £0.00)
p.m.
Monthly deduction for student loan?
(If none, enter £0.00)
p.m.
Any other monthly deduction?
(If none, enter £0.00)
p.m.
Total Monthly Deduction from Main Employment Income?
p.m.
2.5 Main Employment Income Summary
(You can find the details for this section in your main employment payslips)
Applicant 1
Total Main Employment Annual Income Before Tax?
p.a.
How Much is Your Main Employment Monthly Income After Tax?
(Take home)
p.m.
If you wish to add any additional notes, please use the space below
Applicant 1
2.6 Main Self-Employment Details
(You can find the details for this section from your accountant if not known)
Applicant 1
If Self-Employed - Your main business status?
%
2.7 Main Self-Employment Income Details
(You can find the details for this section in your Tax Calculation & Tax Year Overview from HMRC or you can ask your accountant if not known)
Applicant 1
Year(s)
Latest Year (1)
p.a.
p.a.
p.a.
Previous Year
p.a.
p.a.
p.a.
2nd Previous Year
p.a.
p.a.
p.a.
2.8 Main Self-Employment Income Summary
(You can leave this section for us to complete if you don’t know the answers)
Applicant 1
p.a.
p.m.
If you wish to add any additional notes, please use the space below
Applicant 1
2.9 Accountant Details
(You can find the details for this section from your accountant if not known)
Applicant 1

Section 3: Additional Employment Details

Applicant 1
3.1 Additional Employment Status Details
Applicant 1
If Yes - What is your additional employment status?
3.2 Additional Employment Details
Applicant 1
What is the basis of your additional employment?
What is the minimum hour(s) do you have to work per week according to your additional employment contract?
Hour(s)
What would your annual salary / income be on your return to work before tax?
p.a.
If Contractor - What is the basis of your additional contract pay?
How many times has your additional contract been renewed with this employer?
Time(s)
How long have you been contracting in month(s)?
Month(s)
3.3 Additional Employment Annual Income Before Tax Details
(You can find the details for this section in your additional employment payslips)
Applicant 1
p.a.
Your additional employment annual London weighting / large town allowance before tax?
(If none, enter £0.00)
p.a.
Your additional employment annual car allowance before tax?
(If none, enter £0.00)
p.a.
Your additional employment annual permanent / long-term employer’s mortgage subsidy / housing allowances before tax?
(If none, enter £0.00)
p.a.
Total Additional Employment Annual Guaranteed Salary / Income Before Tax?
p.a.
If Yes – How often additional shift allowances received?
If Paid Weekly – Your latest 12 weeks additional shift allowances payments before tax?
(Starting with the latest week payments)
(If no payments in any weeks, enter £0.00)
Week 1
Week 2
Week 3
Week 4
Week 5
Week 6
Week 7
Week 8
Week 9
Week 10
Week 11
Week 12
p.a.
If Paid Fortnightly - Your latest 6 lots of fortnightly additional shift allowances payments before tax?
(Starting with the latest fortnightly payments)
(If no payments in any fortnights, enter £0.00)
Fortnightly 1
Fortnightly 2
Fortnightly 3
Fortnightly 4
Fortnightly 5
Fortnightly 6
p.a.
If Paid Four Weekly - Your latest 3 lots of four weekly additional shift allowances payments before tax?
(Starting with the latest four weekly payments)
(If no payments in any four weeks, enter £0.00)
Four Weekly 1
Four Weekly 2
Four Weekly 3
p.a.
If Paid Monthly- Your latest 3 months additional shift allowances payments before tax?
(Starting with the latest month payments)
(If no payments in any months, enter £0.00)
Month 1
Month 2
Month 3
p.a.
If Paid Quarterly – Your latest 4 quarterly additional shift allowances payments before tax?
(Starting with the latest quarterly payments)
(If no payments in any quarters, enter £0.00)
Quarter 1
Quarter 2
Quarter 3
Quarter 4
p.a.
If Paid Half Yearly – Your latest 4 half yearly additional shift allowances payments before tax
(Starting with the latest half yearly payments)
(If no payments in any half years, enter £0.00)
Half Yearly 1
Half Yearly 2
Half Yearly 3
Half Yearly 4
p.a.
If Paid Annually – Your latest 2 years annual additional shift allowances payments before tax?
(Starting with the latest year payments)
(If no payments in any years, enter £0.00)
Year 1
Year 2
p.a.
If Yes – How often additional overtime received?
If Paid Weekly – Your latest 12 weeks additional overtime payments before tax?
(Starting with the latest week payments)
(If no payments in any weeks, enter £0.00)
Week 1
Week 2
Week 3
Week 4
Week 5
Week 6
Week 7
Week 8
Week 9
Week 10
Week 11
Week 12
p.a.
If Paid Fortnightly - Your latest 6 lots of fortnightly additional overtime payments before tax?
(Starting with the latest fortnightly payments)
(If no payments in any fortnights, enter £0.00)
Fortnightly 1
Fortnightly 2
Fortnightly 3
Fortnightly 4
Fortnightly 5
Fortnightly 6
p.a.
If Paid Four Weekly - Your latest 3 lots of four weekly additional overtime payments before tax?
(Starting with the latest four weekly payments)
(If no payments in any four weeks, enter £0.00)
Four Weekly 1
Four Weekly 2
Four Weekly 3
p.a.
If Paid Monthly- Your latest 3 months additional overtime payments before tax?
(Starting with the latest monthly payments)
(If no payments in any months, enter £0.00)
Month 1
Month 2
Month 3
p.a.
If Paid Quarterly – Your latest 4 quarterly additional overtime payments before tax?
(Starting with the latest quarterly payments)
(If no payments in any quarters, enter £0.00)
Quarter 1
Quarter 2
Quarter 3
Quarter 4
p.a.
If Paid Half Yearly – Your latest 4 half yearly additional overtime payments before tax?
(Starting with the latest half yearly payments)
(If no payments in any half years, enter £0.00)
Half Yearly 1
Half Yearly 2
Half Yearly 3
Half Yearly 4
p.a.
If Paid Annually – Your latest 2 years annual additional overtime payments before tax?
(Starting with the latest year payments)
(If no payments in any years, enter £0.00)
Year 1
Year 2
p.a.
If Yes – How often additional bonus or commission received?
If Paid Weekly – Your latest 12 weeks additional bonus or commission payments before tax?
(Starting with the latest week payments)
(If no payments in any weeks, enter £0.00)
Week 1
Week 2
Week 3
Week 4
Week 5
Week 6
Week 7
Week 8
Week 9
Week 10
Week 11
Week 12
p.a.
If Paid Fortnightly – Your latest 6 lots of fortnightly additional bonus or commission payments before tax?
(Starting with the latest fortnightly payments)
(If no payments in any fortnights, enter £0.00)
Fortnightly 1
Fortnightly 2
Fortnightly 3
Fortnightly 4
Fortnightly 5
Fortnightly 6
p.a.
If Paid Four Weekly – Your latest 3 lots of four weekly additional bonus or commission payments before tax?
(Starting with the latest four weekly payments)
(If no payments in any four weeks, enter £0.00)
Four Weekly 1
Four Weekly 2
Four Weekly 3
p.a.
If Paid Monthly - Your latest 3 months' additional bonus or commission payments before tax?
(Starting with the latest month payments)
(If no payments in any months, enter £0.00)
Month 1
Month 2
Month 3
p.a.
If Paid Quarterly – Your latest 4 quarterly additional bonus or commission payments before tax?
(Starting with the latest quarterly payments)
(If no payments in any quarters, enter £0.00)
Quarter 1
Quarter 2
Quarter 3
Quarter 4
p.a.
If Paid Half Yearly – Your latest 4 half yearly additional bonus or commission payments before tax?
(Starting with the latest half yearly payments)
(If no payments in any half years, enter £0.00)
Half Yearly 1
Half Yearly 2
Half Yearly 3
Half Yearly 4
p.a.
If Paid Annually – Your latest 2 years annual additional bonus or commission payments before tax?
(Starting with the latest year payments)
(If no payments in any years, enter £0.00)
Year 1
Year 2
p.a.
3.4 Additional Employment Monthly Income Deduction Details
(You can find the details for this section in your additional employment payslips)
Applicant 1
Is there any deduction from your additional employment monthly income?
(e.g. for children maintenance, employer’s pension, employee share scheme, gym, private healthcare, spousal maintenance, student loan or any other deduction)
If Yes - Monthly deduction from your additional employment income for children maintenance?
(If none, enter £0.00)
p.m.
Monthly deduction from your additional employment income for employer’s pension?
(If none, enter £0.00)
p.m.
Monthly deduction from your additional employment income for employee share schemes?
(If none, enter £0.00)
p.m.
Monthly deduction from your additional employment income for gym?
(If none, enter £0.00)
p.m.
Monthly deduction from your additional employment income for private healthcare?
(If none, enter £0.00)
p.m.
Monthly deduction from your additional employment income for spousal maintenance?
(If none, enter £0.00)
p.m.
Monthly deduction from your additional employment income for student loan?
(If none, enter £0.00)
p.m.
Any other monthly deduction from your additional employment?
(If none, enter £0.00)
p.m.
p.m.
3.5 Additional Employment Income Summary
(You can find the details for this section in your additional employment payslips)
Applicant 1
Additional Employment Annual Income Before Tax?
p.a.
How much is Your Additional Employment Monthly Income After Tax?
(Take home)
p.m.
If you wish to add any additional notes, please use the space below
Applicant 1
3.6 Additional Self-Employment Details
(You can find the details for this section from your accountant if not known)
Applicant 1
If Self-employed - What is your additional business status?
%
3.7 Additional Self-Employment Income Details
(You can find the details for this section in your Tax Calculation & Tax Year Overview from HMRC or you can ask your accountant if not known)
Applicant 1
Year(s)
Latest Year
p.a.
p.a.
p.a.
Previous Year
p.a.
p.a.
p.a.
2nd Previous Year
p.a.
p.a.
p.a.
3.8 Additional Self-Employment Income Summary
(You can leave this section for us to complete if you don’t know the answers)
Applicant 1
p.a.
p.m.
If you wish to add any additional notes, please use the space below
Applicant 1
3.9 Additional Self-Employment Accountant Details
(You can find the details for this section from your accountant if not known)
Applicant 1

Section 4: Other Provable Source of Income Details

Applicant 1
Do you have any other provable source of income?
(e.g. Attendance Allowances, Care’s Allowances, Child Benefits, Child Tax Credit, Child Maintenance Payment, Company Pension Income, Disability Living Allowances, Employment & Support Allowances, Fostering Income, Guardian’s Allowances, Incapacity Benefit, Income Support, Investment Income, Jobseeker’s Allowance, Lodger Rental Income, Pension Credit, Permanent Income Protection, Personal Independence Payment, Personal Pension Income, Rental Income, Sever Disability Allowances, Spouse Maintenance Payment, State Pension Income, Trust Fund Income, Universal Credit, War Widow’s Pension, Widowed Parent’s Allowances or Working Tax Credit)
4.1 Other Provable Source of Income Details
Applicant 1
If Yes - Your annual attendance allowances?
(If none, enter £0.00)
p.a.
Your annual care’s allowances before tax?
(If none, enter £0.00)
p.a.
Your annual child benefits?
(If none, enter £0.00)
p.a.
Your annual child tax credit?
(If none, enter £0.00)
p.a.
Your annual child maintenance payment?
(If none, enter £0.00)
p.a.
Your annual company pension income before tax?
(If none, enter £0.00)
p.a.
Your annual disability living allowances (DLA)?
(If none, enter £0.00)
p.a.
Your annual employment & support allowances (ESA) before tax?
(If none, enter £0.00)
p.a.
Your annual fostering income before tax?
(If none, enter £0.00)
p.a.
Your annual guardian’s allowances?
(If none, enter £0.00)
p.a.
Your annual incapacity benefit before tax?
(If none, enter £0.00)
p.a.
Your annual income support?
(If none, enter £0.00)
p.a.
Your annual investment income before tax?
(If none, enter £0.00)
p.a.
Your annual jobseeker’s allowance (JSA) before tax?
(If none, enter £0.00)
p.a.
Your annual lodger rental income before tax?
(If none, enter £0.00)
p.a.
Your annual pension credit?
(If none, enter £0.00)
p.a.
//================================================
Your annual permanent income protection payments?
(If none, enter £0.00)
p.a.
Your annual personal independence payment (PIP)?
(If none, enter £0.00)
p.a.
Your annual personal pension income before tax?
(If none, enter £0.00)
p.a.
Your net annual rental income before tax?
(If none, enter £0.00)
p.a.
Your annual sever disability allowances?
(If none, enter £0.00)
p.a.
Your annual spouse maintenance payment?
(If none, enter £0.00)
p.a.
Your annual state pension income before tax?
(If none, enter £0.00)
p.a.
Your annual trust fund income before tax?
(If none, enter £0.00)
p.a.
Your annual universal credit?
(If none, enter £0.00)
p.a.
Your annual war widow’s pension?
(If none, enter £0.00)
p.a.
Your annual widowed parent’s allowances before tax?
(If none, enter £0.00)
p.a.
Your annual working tax credit?
(If none, enter £0.00)
p.a.
4.2 Other Provable Source of Income Summary
Applicant 1
Total Annual Other Provable Source of Income Before Tax?
(From section 4.1)
p.a.
p.m.
4.3 Total Income Summary from All Sources
Applicant 1
p.a.
p.m.
4.4 Foreign Currency Employment Income Details
Applicant 1
If Yes - Which foreign currency?
4.5 Future Changes to Employment and Income Details
Applicant 1
If Yes - What do you expect your employment circumstance or income change to in the foreseeable future?
When do you expect your employment circumstances to change in the foreseeable future?
How much will you be expecting your foreseeable future annual income to be before tax?
(If not known, leave it blank)
p.a.

Section 5: Retirement Details

Applicant 1
What is your expected retirement income per annum before tax?
(If not known, leave it blank)
p.a.

Section 6: Existing Financial Credit & Commitments Details

6.1 Buy Now Pay Later / Credit Cards / Mail Orders / Store Card Commitments Details

(You can find the details for this section in your latest buy now pay later / credit cards / mail orders / store cards statements or your latest credit report)
If Yes – What is the commitment for?
Who is the borrower(s)?
(Select all that apply if jointly)
Name of lender or company?
Your Credit limit?
Current outstanding balance?
Annual percentage rate?
%
Do you pay the full amount each month?
If No – Monthly payment?
p.m.
Is this to be repaid on or before completion of the new mortgage?
If No - Is this to be consolidated?
(Warning: Replacing unsecured debts with a mortgage secured against home/property, whilst overall debt repayments may have reduced, but the term has increased and consequently, more interest is paid)
If No - Balance to remain?
Monthly payment to remain?
p.m.
Do you have any more buy now pay later / credit cards / mail orders or store cards commitments?
6.2 Hire Purchases / Interest Free Loans / Lease Agreements / Personal Loans Commitments Details
(You can find the details for this section in your latest hire purchases / interest free loans / lease agreements / personal loans statements or your latest credit report)
If Yes – What is the commitment for?
Who is the borrower(s)?
(Select all that apply if jointly)
Name of lender or company?
Current outstanding balance?
Annual percentage rate?
%
Monthly payment?
p.m.
How many monthly payments remaining?
Month(s)
Is this to be repaid on or before completion of the new mortgage?
If No - Is this to be consolidated?
(Warning: Replacing unsecured debts with a mortgage secured against home/property, whilst overall debt repayments may have reduced, but the term has increased and consequently, more interest is paid)
If No - Balance to remain?
Monthly payment to remain?
p.m.
Do you have any more hire purchases / interest free loans / lease agreements or personal loans commitments?
6.3 Overdrafts Commitments Details
(You can find the details for this section in your latest bank statements)
If Yes - Who is the borrower(s)?
(Select all that apply if jointly)
Name bank or company?
Your overdraft limits?
Current outstanding balance?
How much is the maximum amount of overdrawn in last 3 months?
Annual percentage rate?
%
Monthly overdraft fee?
p.m.
Monthly payment?
p.m.
Is this to be repaid on or before completion of the new mortgage?
If No - Is this to be consolidated?
(Warning: Replacing unsecured debts with a mortgage secured against home/property, whilst overall debt repayments may have reduced, but the term has increased and consequently, more interest is paid)
If No - Balance to remain?
Monthly payment to remain?
p.m.
6.4 Student Loan Commitments Details
Applicant 1
Do you have any student loan commitments?
(If not already deducted from your salary / income)
p.m.
When is the end Date?
(If not known, leave it blank)
6.5 Children Maintenance Commitments Details
Applicant 1
Do you pay any children maintenance?
(If not already deducted from your salary / income)
p.m.
When is the end Date?
(If not known, leave it blank)
6.6 Spousal Maintenance Commitments Details
Applicant 1
Do you pay any spousal maintenance commitments?
(If not already deducted from your salary / income)
p.m.
When is the end Date?
(If not known, leave it blank)
6.7 Financial Commitments Summary Details
Applicant 1
p.m.

Section 7: Existing Residential Properties & Mortgages Details


(You can find the details for this section in your latest mortgage statements or your latest credit report)
If Yes - Residential property address?
Postcode?
Who owns this property?
(Select all that apply if jointly)
Date of purchase?
Original purchase price?
Estimated value of this property now?
Are you selling this property now?
If Yes - Sale price?
Is there a mortgage secured against this property?
If Yes - Name of lender?
Mortgage account number?
Current mortgage outstanding balance?
Mortgage start date?
Mortgage term expiry date?
Is this mortgage to be redeemed?
Current mortgage interest rate?
%
Current monthly mortgage payment?
p.m.
Mortgage interest rate type?
Does an early repayment charge apply to this mortgage?
If Yes - Current mortgage early repayment charge?
Are you prepared to pay an early repayment charge if you transfer or repay this mortgage now?
Early repayment charge expiry date?
Are terms of this mortgage portable to a new property?
Mortgage repayment method?
If ‘Part Repayment & Part Interest Only’ – How much is the ‘Interest Only’ part?
Interest Only
If ‘Interest Only’ - How do you intend to repay the capital?
(If you plan to use the proceeds of investment(s) or future sale proceeds of your home to repay the capital at the end of the term, you should be aware that the future value of the investment(s) or your home is not guaranteed and may not be sufficient to repay the debt. You should also be aware that you may be unable to complete the sale of your home to coincide with the end of the mortgage. It is your responsibility to ensure sufficient capital is available to repay your mortgage at the end of the term, otherwise you risk losing your home)
Is there a second mortgage secured against this property?
If Yes - Name of lender?
Mortgage account number?
Current mortgage outstanding balance?
Mortgage start date?
Mortgage term expiry date?
Is this mortgage to be redeemed?
Current mortgage interest rate?
%
Current monthly mortgage payment?
p.m.
Mortgage interest rate type?
Does an early repayment charge apply to this mortgage?
If Yes - Current mortgage early repayment charge?
Are you prepared to pay an early repayment charge if you transfer or repay this mortgage now?
Early repayment charge expiry date?
Are terms of this mortgage portable to a new property?
Mortgage repayment method?
If ‘Part Repayment & Part Interest Only’ – How much is the ‘Interest Only’ part?
Interest Only
If ‘Interest Only’ - How do you intend to repay the capital?
(If you plan to use the proceeds of investment(s) or future sale proceeds of your home to repay the capital at the end of the term, you should be aware that the future value of the investment(s) or your home is not guaranteed and may not be sufficient to repay the debt. You should also be aware that you may be unable to complete the sale of your home to coincide with the end of the mortgage. It is your responsibility to ensure sufficient capital is available to repay your mortgage at the end of the term, otherwise you risk losing your home)
Is there a third mortgage secured against this property?
If Yes - Name of lender?
Mortgage account number?
Current mortgage outstanding balance?
Mortgage start date?
Mortgage term expiry date?
Is this mortgage to be redeemed?
Current mortgage interest rate?
%
Current monthly mortgage payment?
p.m.
Mortgage interest rate type?
Does an early repayment charge apply to this mortgage?
If Yes - Current mortgage early repayment charge?
Are you prepared to pay an early repayment charge if you transfer or repay this mortgage now?
Early repayment charge expiry date?
Are terms of this mortgage portable to a new property?
Mortgage repayment method?
If ‘Part Repayment & Part Interest Only’ – How much is the ‘Interest Only’ part?
Interest Only
If ‘Interest Only’ - How do you intend to repay the capital?
(If you plan to use the proceeds of investment(s) or future sale proceeds of your home to repay the capital at the end of the term, you should be aware that the future value of the investment(s) or your home is not guaranteed and may not be sufficient to repay the debt. You should also be aware that you may be unable to complete the sale of your home to coincide with the end of the mortgage. It is your responsibility to ensure sufficient capital is available to repay your mortgage at the end of the term, otherwise you risk losing your home)
Do you currently own anymore residential properties?

Section 8: Existing Buy-To-Let Properties & Mortgages Details


(You can find the details for this section in your latest mortgage statements or your latest credit report)
If Yes - Buy-to-let property address?
Postcode?
Who owns this property?
(Select all that apply if jointly)
Date of purchase?
Original purchase price?
Estimated value of this property now?
Are you selling this property now?
If selling - Sale price?
Have you acquired this property by means of e.g., inherited, or gifted?
Have you or any of your family members or close relatives ever lived in this property?
Is this property currently let?
If Yes - Tenant type?
Term of tenancy in months?
Month(s)
Monthly rental income?
p.m.
Is there a mortgage secured against this property?
If Yes - Name of lender?
Mortgage account number?
Current mortgage outstanding balance?
Mortgage start date?
Mortgage term expiry date?
Is this mortgage to be redeemed?
Current mortgage interest rate?
%
Current monthly mortgage payment?
p.m.
Mortgage interest rate type?
Does an early repayment charge apply to this mortgage?
If Yes - Current mortgage early repayment charge?
Are you prepared to pay an early repayment charge if you transfer or repay this mortgage now?
Early repayment charge expiry date?
Are terms of this mortgage portable to a new property?
Mortgage repayment method?
If ‘Part Repayment & Part Interest Only’ – How much is the ‘Interest Only’ part?
Interest Only
If ‘Interest Only’ - How do you intend to repay the capital?
(If you plan to use the proceeds of investment(s) or future sale proceeds of your home to repay the capital at the end of the term, you should be aware that the future value of the investment(s) or your home is not guaranteed and may not be sufficient to repay the debt. You should also be aware that you may be unable to complete the sale of your home to coincide with the end of the mortgage. It is your responsibility to ensure sufficient capital is available to repay your mortgage at the end of the term, otherwise you risk losing your home)
Is there a second mortgage secured against this property?
If Yes - Name of lender?
Mortgage account number?
Current mortgage outstanding balance?
Mortgage start date?
Mortgage term expiry date?
Is this mortgage to be redeemed?
Current mortgage interest rate?
%
Current monthly mortgage payment?
p.m.
Mortgage interest rate type?
Does an early repayment charge apply to this mortgage?
If Yes - Current early repayment charge?
Are you prepared to pay an early repayment charge if you transfer or repay this mortgage now?
Early repayment charge expiry date?
Are terms of this mortgage portable to a new property?
Mortgage repayment method?
If ‘Part Repayment & Part Interest Only’ – How much is the ‘Interest Only’ part?
Interest Only
If ‘Interest Only’ - How do you intend to repay the capital?
(If you plan to use the proceeds of investment(s) or future sale proceeds of your home to repay the capital at the end of the term, you should be aware that the future value of the investment(s) or your home is not guaranteed and may not be sufficient to repay the debt. You should also be aware that you may be unable to complete the sale of your home to coincide with the end of the mortgage. It is your responsibility to ensure sufficient capital is available to repay your mortgage at the end of the term, otherwise you risk losing your home)
Is there a third mortgage secured against this property?
If Yes - Name of lender?
Mortgage account number?
Current mortgage outstanding balance?
Mortgage start date?
Mortgage term expiry date?
Is this mortgage to be redeemed?
Current mortgage interest rate?
%
Current monthly mortgage payment?
p.m.
Mortgage interest rate type?
Does an early repayment charge apply to this mortgage?
If Yes - Current early repayment charge?
Are you prepared to pay an early repayment charge if you transfer or repay this mortgage now?
Early repayment charge expiry date?
Are terms of this mortgage portable to a new property?
Mortgage repayment method?
If ‘Part Repayment & Part Interest Only’ – How much is the ‘Interest Only’ part?
Interest Only
If ‘Interest Only’ - How do you intend to repay the capital?
(If you plan to use the proceeds of investment(s) or future sale proceeds of your home to repay the capital at the end of the term, you should be aware that the future value of the investment(s) or your home is not guaranteed and may not be sufficient to repay the debt. You should also be aware that you may be unable to complete the sale of your home to coincide with the end of the mortgage. It is your responsibility to ensure sufficient capital is available to repay your mortgage at the end of the term, otherwise you risk losing your home)
Do you currently own anymore buy-to-let properties?
8.1 Buy-to-Let Properties Summary
Total number of buy-to-let properties?
Total value of all buy-to-let properties?
Total outstanding mortgages on all buy-to-let properties?
Total monthly rental income of all buy-to-let properties per month?
Total monthly mortgage payments on all buy-to-let properties?
8.2 Rental Void Periods
How do you intend to cover rental void periods on your existing rental property portfolio?
(In the event of rental void, you will still have to make your mortgage payments. You should maintain access to an emergency fund which covers at least six months rental void)

Section 9: Existing Asset(s) Details

9.1 Emergency Funds Details
Applicant 1
How do you intend to cover or manage personal expenses in the event of financial difficulties?
(In the event of financial difficulties, you will still have to make your mortgage payments. You should maintain access to an emergency fund which covers at least six months personal expenditure)
9.2 Individual Saving Accounts (ISA) Details

(You can find the details for this section in your latest individual saving account (ISA) statements)
Do you have any individual saving accounts (ISA)?
If Yes – ISA type?
Who owns this ISA?
Name of provider?
Your monthly contribution?
(If none, enter £0.00)
Will you still be contributing to this ISA when the new mortgage / remortgage is completed?
Current value?
(If not known leave it blank)
Maturity date?
(If not known / applicable leave it blank)
Estimated maturity value?
(If not known / applicable leave it blank)
Do you have any more individual saving accounts (ISA)?
9.3 Monthly Individual Saving Accounts (ISA) Summary
Applicant 1
Total Monthly ISA(s) Contributions?
p.m.
9.4 Saving & Investment Plans Details

(You can find the details for this section in your latest saving / investment statements)
Do you have any savings or investments?
If Yes – Saving / Investment type?
Who owns this saving / investment?
(Select all that apply if jointly)
Name of provider?
//
Your monthly contribution?
(If none, enter £0.00)
Will you still be contributing to this saving / investment when the new mortgage / remortgage is completed?
Current value?
(If not known leave it blank)
Maturity date?
(If not known / applicable leave it blank)
Estimated maturity value?
(If not known / applicable leave it blank)
If Endowment - Sum assured on death?
If Endowment - Sum assured on critical illness?
(If none, enter £0.00)
Do you have any more savings or investments?
9.5 Monthly Savings & Investments Summary
Applicant 1
Total Monthly Saving(s) & investment(s) Contributions?
p.m.
9.6 Pension Details
(You can find the details for this section in your latest pension statements)
Do you have any pensions?
If Yes – Pension type?
Who is the member of this pension?
Name of provider?
(This could be your employer or an insurance company)
Your monthly contribution?
(If not already deducted from your income)
(If none, enter £0.00)
Will you still be contributing to this pension when the new mortgage / remortgage is completed?
Current value?
(If not known, leave it blank)
Pension retirement age?
Estimated maturity value?
(If not known, leave it blank)
Estimated annual income at maturity date?(
(If not known, leave it blank)
p.a.
Do you have any more pensions?
9.7 Monthly Pension Contributions Summary
Applicant 1
Total Monthly Pension Contributions?

Section 10: Monthly Expenditure & Budget Details


Budget Planner - Please provide your monthly expenses for the following expenses
(Where joint expenses, please divide the amount(s) between/among the applicant(s))
(Please note, that where a new residential property (not buy to let) is being purchased, any house related costs should reflect those of the new residential property where relevant e.g., council tax, service charge, ground rent)
10.1 Monthly Household Expenditure
Applicant 1
p.m.
p.m.
p.m.
p.m.
p.m.
p.m.
p.m.
p.m.
p.m.
p.m.
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p.m.
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p.m.
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p.m.
10.2 Overall Summary
Applicant 1
p.m.
p.m.
p.m.
10.3 Monthly Disposable income Summary
p.m.
10.4 Future Changes to Regular Outgoings
Applicant 1
If Yes - What do you expect your regular outgoings to change significantly in the foreseeable future?
When do you expect your regular outgoings to change in the foreseeable future?

Section 11: Credit History Details


(You can find details for this section in your credit report)
11.1 Bankruptcies Details
Applicant 1
If Yes – What are the restrictions for?
(Select all that apply)
11.2 Individual Voluntary Arrangements (IVA) Details
Applicant 1
11.3 Properties Repossession Details
If Yes – Whose home or property has been repossessed?
(Select all that apply if jointly)
Name of lender or company?
How much was the amount of repossession?
Date the repossession registered?
Is the repossession satisfied?
If Yes – Date the repossession satisfied?
If No - Is this to be satisfied on or before completion of the new mortgage / remortgage?
If No - Outstanding balance to remain?
Have you had any more homes / properties repossessed in the past 6 years?
11.4 County Court Judgements (CJJ) Details
If Yes – What is the CCJ for?
Who has had this CCJ?
(Select all that apply if jointly)
Name of lender or company?
How much was the amount of CCJ?
Date the CCJ registered?
Is the CCJ satisfied?
If Yes - Date the CCJ satisfied?
If No - Is this to be satisfied on or before completion of the new mortgage / remortgage?
If No - Outstanding balance to remain?
Have you had anymore County Court Judgements (CCJ) past 6 years?
11.5 Defaults Details
If Yes – What is the default for?
Who has defaulted?
(Select all that apply if jointly)
Name of lender or company?
How much is the amount of default?
Date the default registered?
Is the default cleared?
If Yes - Date the default cleared?
If No - Is this to be cleared on or before completion of the new mortgage / remortgage?
If No - Outstanding balance to remain?
Have you had any more defaults in the past 6 years?
11.6 Arrears, Late or Missed Payments Details
If Yes – What is the arrears, late or missed payment(s) for?
Who has had arrears, late or missed payments?
(Select all that apply if jointly)
Name of lender or company?
Number of arrears, late or missed payments?
How much is the arrears, late or missed payment mount?
Date of last arrears, late or missed payment?
Are the arrears, late or missed payment(s) cleared?
If Yes - Date of arrears, late or missed payment(s) cleared?
If No - Is this to be cleared on or before completion of the new mortgage / remortgage?
If No - Outstanding balance to remain?
Have you had anymore arrears, late or missed payments in the past 6 years?
11.7 Mortgages / Loans Refusals Details
If Yes – What were you refused for?
Who has been refused for mortgage or loan?
(Select all that apply if jointly)
Name of lender or company?
Date of refusal?
Reason for refusal?
Have you been refused for any more loans or mortgages in the past 6 years?
11.8 Debt Management Plans (DMP) Details
If Yes – What is the debt management plan for?
If Yes – Who has had DMP?
(Select all that apply if jointly)
Name of lender or company?
Date the DMP was registered?
Is the DMP satisfied?
If Yes - Date the DMP was satisfied?
If No - Outstanding amount?
Monthly payment?
p.m.
How many monthly payments remaining?
Month(s)
Is this to be repaid on or before completion of the new mortgage / remortgage?
If No - Monthly payment to remain?
p.m.
Have you had any more Debt Management Plans (DMP) in the past 6 years?
11.9 Payday Loans Details
If Yes - Who has had payday loan?
(Select all that apply if jointly)
Name of lender or company?
Date the Payday Loan was started?
Is the Payday Loan cleared?
If Yes - Date the Payday Loan was cleared
If No - Outstanding balance?
Monthly payment?
p.m.
How many monthly payments remaining?
Month(s)
Is this to be repaid on or before completion of the new mortgage / remortgage?
If No - Monthly payment to remain?
p.m.
Have you had anymore Payday Loans in the past 6 years?

Section 12: Convictions / Pending Prosecutions for Criminal Offences

12.1 Convictions / Pending Prosecution for Criminal Offence Details
Applicant 1
If Yes – Conviction or Pending Prosecution?

Section 13: New Loan / Mortgage Details

13.1 Applicant Type Details
Applicant 1
Are you a first buyer or homeowner?
13.2 Loan / Mortgage Purpose Details
Loan Purpose
Purpose of the Loan / Mortgage?
13.3 If Purchasing - Source of Deposit Details
If Yes – What is your source of deposit?
How much is the selected source of deposit from the previous question?
Who is providing this deposit?
(Select all that apply if jointly)
Do you have any more deposit?
13.4 Additional Borrowing Details
If Yes - Purpose of additional borrowing?
How much additional borrowing do you need for the selected purpose?
Do you want to use this mortgage to borrow any more additional money?
13.5 Mortgage Repayment Method
Would you prefer to have the certainty that your mortgage loan is repaid at the end of the term?
(Repayment)
(With a repayment mortgage, you will pay less interest to the lender over the term and have certainty of the mortgage being repaid at the end of the term as long as you keep up the monthly payments in full each month)
If No – Would you prefer Not to have certainty that your mortgage loan being repaid at the end of the term and want to keep the monthly mortgage payment to minimum?
(Interest Only)
(With an interest Only mortgage, you only pay interest and don't pay off any of the capital that you've borrowed during the term of mortgage. You will pay lower monthly payments and pay more interest to the lender over the term)
If ‘Interest Only’ - How much of the mortgage do you wish to have on an ‘Interest Only’ basis?
If ‘Interest Only’ - How do you intend to repay the capital?
(With an Interest Only mortgage If you plan to use the proceeds of investment(s) or future sale proceeds of your home/property to repay the capital at the end of the term, you should be aware that the future value of the investment(s) or your home/property is not guaranteed and may not be sufficient to repay the debt. You should also be aware that you may be unable to complete the sale of your home/property to coincide with the end of the mortgage. It is your responsibility to ensure sufficient capital is available to repay your mortgage at the end of the term, otherwise you risk losing your property)
13.6 Mortgage Term
Over what term would you like to repay your mortgage?
(The longer term of the mortgage, tends to have lower monthly mortgage payments option but pay more interest to the lender)
Year(s)
Month(s)
What is your reason(s) for choosing the term above?
If Yes – How do you intend to maintain your monthly mortgage payments in retirement or repay the mortgage?
(Select all that apply)
13.8 Mortgage Summary
%
Year(s)
Month(s)

Section 14: Property Details

Where is the property region?
Property use?
Property Type?
If Flat – Number of the floor(s) in the building?
Floor(s)
On which floor is the property situated?
Floor
Number of flat(s) in the building?
Flat(s)
If Studio Flat - How many square meters is it?
Meters
Property tenure?
If Feudal - Feudal duty/rent charge/chief rent per year?
(Scotland properties only)
p.a.
If Leasehold or Share of Freehold - What is the lease remaining term?
Year(s)
Service charge per year?
(If none, enter £0.00)
p.a.
Ground rent per year?
(If ground rent is peppercorn, please enter £1.00, if none enter £0.00)
p.a.
Property accommodation details?
Number of Bedroom(s):
Number of Bathroom(s):
Number of separate WC(s):
Number of Parking Space(s) :
Number of Living Room(s):
Number of Kitchen(s):
Number of Garage(s):
:
Construction of the property?
What is the property’s roof type?
p.a.
What is the current energy rating of the property?
If Yes – Which building guarantee scheme will cover the property?
How many year(s) building guarantee remaining?
Year(s)
If Yes – What type of business is it?
Will anyone over age 17 be living at the property (excluding the applicant(s))?
(If buy-to-let property, please ignore this)
If Yes - Please provide their full names
14.1 Affordable Home Ownership Schemes
Is this mortgage subject to an affordable home ownership scheme?
(i.e. Discounted Market Sale, First Homes, Help to Buy, Lifetime ISA Scheme, Right to Acquire, Right to Buy or Shared Ownership)
If Yes - Which scheme?
14.2 If Discounted Market Sale (DMS)
(The Discounted Market Sale Scheme (DMS) is offered by councils and housing associations to able local first-time buyers and key workers buy a new home or resale between 25% to 50% less than its market value)
14.3 If First Homes Scheme
(First Homes Scheme is offered by councils and housing associations to able local first-time buyers and key workers buy a new home or resale by offering homes at a discount between 30% to 50% less than its market value)
14.4 If Help to Buy (Armed Forces)
(Help to Buy (Armed Forces) scheme enables armed forces personnel to borrow up to 50% of their salary to a maximum of £25,000, interest free repayable over 10 years, to buy their first home or move to another property on assignment or as their families’ needs change)
14.5 If Help to Buy (Equity Loan)
(With a Help to Buy (Equity Loan) scheme, the government lends first-time homebuyers up to 20% (40% in London) of the cost of a newly built home or resale. First-time homebuyers pay a deposit of 5% or more and arrange a mortgage of 20% or more to make up for the rest. How much you can spend on your home will depend on which region it is in. The equity loan is interest-free for the first 5 years. After 5 years, interest fees start at 1.75% and rise each year in April by the Consumer Prices Index including owner occupiers’ housing costs (CPIH) plus 2%. You pay a monthly management fee of £1.00 for the life of the loan)
14.6 If Help to Buy (Mortgage Guarantee)
(Help to Buy (Mortgage Guarantee) scheme makes it possible for both existing homeowners who want to move and first-time buyers to purchase a pre-owned or new build property across the UK with purchase price of £600,000.00 or less with a 5% deposit. It’s the same as a traditional mortgage, except the government guarantees a portion of the loan to a maximum of 90% to an affiliated lender. This agreement is between the lender and the government, not you!)
%
14.7 Lifetime ISA (LISA)
(The Lifetime ISA (LISA) is a long-term savings product intended to support the first-time buyer adults aged 18-39, saving for purchasing a first home up to the value of £450,000.00 or later life. Up to £4,000.00 can be saved each year (this counts towards the ISA limit), attracting a government bonus of 25% on each new payment. This is a government top up of up to £1000.00 each year. Funds can be withdrawn without charge 12 months after opening the LISA, if used as a deposit for the account holder’s first home, subject to certain conditions)
Applicant 1
Who owns this Lifetime ISA (LISA?
14.8 If Right to Acquire
(Right to Acquire allows housing association tenants to buy their housing association homes at a discount. You can get a discount of between £9,000.00 and £16,000.00 on the market value of your home when you buy it if you qualify for Right to Acquire. The amount of discount you’ll get depends on where you live)
14.9 If Right to Buy
(Right to Buy allows eligible council tenants to buy their council homes with a maximum discount of £87,200.00 across England except in London boroughs where it is £116,200.00 The discount will increase each year in April in line with the consumer price index (CPI).)
14.10 If Shared Ownership
(Shared Ownership gives first-time buyers and those that do not currently own a home the opportunity to purchase 10% to 75% share in a new build or resales property. The purchasers pay a mortgage on the share they own and pay rent to a housing association on the share they do not own. The purchasers have the option to increase their share during their time in the property via a process known as ‘staircasing’, and in most cases can staircase all the way to 100%)
%
14.11 Buy-to-Let Property
If Yes – Length of tenancy term in months?
Month(s)
To whom the property is/will be let out to?
What is the maximum number of tenant(s) in the property?
Tenant(s)
What type of tenant(s) will occupy the property?
p.m.
What is the estimated timescale for work to be completed in month(s)?
Month(s)
Will the property be in your individual name(s) on the mortgage, or will you own the property through a company special purpose vehicles (SPVs) or limited trading company?
How are rental void periods to be covered for this property?
(In the event of rental void, you will still have to make your mortgage payments. You should maintain access to an emergency fund which covers at least six months rental void)
14.12 For Bridging Finance
Purpose of bridging finance?
(A bridging loan is usually short-term borrowing used as a way to bridge a gap in funding until you sell your old house – or other transaction – goes through. Bridging loans can be used if you buy a property at auction and you need the cash immediately)
What is the security for the bridging finance?
Which charge are you offering on this property?
Exchange contracts date:
Complete purchase date:
What is your preferred payment option?
If Rolled Up Option - Please provide your reason(s)?
If Serviced - In the short term, how will you cover the payments for both your current and bridging loans?
What is the exit strategy for repayment of the finance?

Section 15: Mortgage Needs & Preferences

15.1 Interest Rate Movement
How concerned are you about the possibility of future interest rate movement?
What is your opinion on possibility of future interest rate movement?
15.2 Interest Rate Preferences
What kind of Interest Rate do you prefer to have?
If Capped Rate - Why is it important to have an upper limit or maximum repayment amount on your mortgage costs for a specific period?
(A Capped interest rate’ means that the interest rate payable on your mortgage is guaranteed by the lender not to rise above a stated level for a specified period. A capped mortgage limits the amount of interest can be charged on monthly mortgage repayments which will never go above a certain amount for a specified period regardless of increases to the Bank of England base rate. Upon expiry of the capped rate period, the interest rate applicable to your mortgage will usually revert to your lender’s standard variable rate at the time. Subject to the terms applied by the lender, you may be eligible to a new capped rate, or other mortgage deal from their products available at that time)
If Discounted Variable Rate - Why is it important to have a discounted variable rate at a set percentage below a lender’s standard variable rate knowing the amount you pay each month could change?
(A discounted variable mortgage is fixed at a set percentage below a lender’s standard variable rate for a specified period, but the amount you pay each month could change as lender’s standard variable interest rate itself may increases or decreases. Upon expiry of the discounted rate period, the interest rate applicable to your mortgage will usually revert to your lender’s standard variable rate at the time. Subject to the terms applied by the lender, you may be eligible to a new discounted rate, or other mortgage deal from their products available at that time)
If Fixed Rate – Why is it important to have a Fixed Rate?
(A Fixed interest rate means that the interest rate is guaranteed to remain unchanged for a specified period. A fixed-rate mortgage has an interest rate that fixes your monthly mortgage repayments for a specified period and the amount you pay each month will not change during the agreed period. Upon expiry of the fixed rate period the interest rate applicable to your mortgage will usually revert to the lender’s standard variable rate at the time. Subject to the terms applied by the lender, you may be eligible to a new fixed rate, or other mortgage deal from their products available at the time)
If Standard Variable Rate - Why is it important to have a standard variable rate knowing the amount you pay each month could change?
(Standard variable rate (SVR) is a type of variable-rate mortgage which is set by each lender and is not fixed, meaning the total amount you pay could change each month. Standard variable rates tend to be higher than the rates on other types of mortgages)
If Tracker Rate - Why is it important to have an interest rate be managed by the BoE knowing the amount you pay each month could change (Tracker Rate)?
(Tracker mortgages usually follow the Bank of England’s base rate and the amount of interest you pay on your mortgage might be the base rate plus or minus a certain percentage for a specified period. Subject to the terms applied by the lender, you may be eligible to a new tracker rate, or other mortgage deal from their products available at that time)
15.3 Interest Rate Initial Period
How many years would you like your initial rate to last for?
(Longer term rates tend to be higher rate, and the shorter-term rates tend to be lower rate and there is no guarantee of the future interest rate movements)
15.4 Early Repayment Charges (ERC)
When do you expect to pay off part or all of your mortgage in month(s) time?
Month(s)
Is it important NOT to be subject to an Early Repayment Charge (ERC)?
(An early repayment charge (ERC) is a penalty charged by lender if you overpay on your mortgage during the initial rate period by more than lender allows, or pay off the whole loan too early)
If Yes – Why is it important NOT to be subject to an Early Repayment Charge (ERC)?
What is the maximum Early Repayment Charge (ERC) period would you consider?
Is it important NOT to be subject to overhang or tie-in of early repayment charge (ERC) after initial rate period?
(Overhang or Tie-in is the period during which you are locked-in to your mortgage deal after the initial rate period)
If Yes - Why is it important NOT to be subject to overhang or tie-in of early repayment charge (ERC) after initial period?
(With Overhang or tie-in, you should be aware that while you will benefit from any future decreases in interest rates you will also have to pay more when the interest rate increases)
What is the maximum overhang or tie-in of early repayment charge (in months) after initial rate period would you consider?
Month(s)
15.5 Higher Lending Charge
Is it important NOT to be subject to higher lending charge?
(Higher Lending Charge is a fee charged by lenders where the amount borrowed exceeds a given percentage of the value of the property)
If Yes - Why is it important NOT to be subject to higher lending charge?
15.6 Overpayments
If Yes - Why is it important to have the facility to make overpayments on your mortgage?
15.7 Underpayments & Payment Holidays
Is it important to have the facility to make underpayments on your mortgage?
(This will limit number of product available from the lenders)
If Yes - Why is it important to have the facility to make underpayments on your mortgage?
Is it important to have the facility to take payment holidays on your mortgage?
(This will limit number of product available from the lenders)
If Yes - Why is it important to have the facility to take payment holidays on your mortgage?
15.8 Offset Mortgages
Is it important to have the facility to offset your savings against your mortgage?
(This will limit number of product available from the lenders)
(An offset mortgage lets you link the balance of your savings against the amount you owe on your mortgage, reducing how much interest you pay which lowers your monthly payments)
If Yes - Why is it important to have the facility to offset your savings against your mortgage?
15.9 Portability
Is it important to be able to port your mortgage terms to a new property?
If Yes – Why is it important to be able to port your mortgage term to a new property?
15.10 Application / Product / Arrangement / Booking Fees
Do you have funds available to pay the application / product / arrangement / booking fees up front?
(By electing to pay this fee upfront some lenders commonly describe this fee to be ‘non-refundable’ and may refuse to refund this fee if you decide to withdraw from completing the mortgage for whatever reason)
is it important to be able to add the application / product / arrangement / booking fees to the loan?
(By adding this fee to the loan, you will increase your mortgage and pay interest on it over the mortgage term as opposed to electing to pay this upfront, however you can pay this at a later date once your mortgage completes)
If Yes – Why is it important to be able to add the application / product / arrangement / booking fees to the loan?
15.11 Valuation Fee
Do you have funds available to pay the valuation fees up front?
Is it important to have free valuation fees?
(This will limit number of product available from the lenders)
If Yes – Why is it important to have free valuation?
What type of valuation do you require?
15.12 Legal Fees
Do you have funds available to pay the legal fees up front?
Is it important to have free legal fees?
(This will limit number of product available from the lenders)
If Yes - Why is it important to have free legal fees?
15.13 Cashback
How important is to have access to an initial sum (known as Cashback)?
(This will limit number of product available from the lenders)
(Cashback is a certain amount of cash that lender gives you on completion of the mortgage)
If Yes - Why is it important is to have access to an initial sum (known as Cashback)?
15.14 Completion Timescales
Is it important the mortgage to be competed as quickly as possible?
If Yes – Why is it important mortgage to be completed as quickly as possible?

Section 16: Protecting Your Mortgage

Applicant 1
If ‘Yes’ - We will be in touch to complete a supplementary Personal Protection Questionnaire
‘If Not reviewing now’ – Reason for not reviewing?
(If you were to die or suffer from a critical illness or long-term illness or in the event of your income falls or lose your job or illness and accident prevents you from working, you or remaining dependents will still have to cover remaining mortgage outgoings.You are strongly recommended to consider these areas of financial planning)
Protecting Your Buildings and Contents
Do you have adequate building or contents insurance in place?
(It will be a condition of any mortgage offer that the property to be mortgaged has adequate building insurance cover. Contents Insurance can also be taken out to protect your contents of your property/home)
Do you wish to review your building or contents insurance?
If ‘Yes’ – We will be in touch to complete a supplementary Building & Contents Questionnaire
‘If Not reviewing now’ – Reason for not reviewing?
(Landlords Insurance must be maintained under a landlord’s buildings policy for a sum insured based upon an estimate of the current rebuilding costs, which must not be less than that specified by the lender’s appointed Surveyor and to increase in line with the Housing Rebuilding Cost Index. Contents Insurance can also be taken out to protect your contents of your property/home)

Section 17: Additional Details

17.1 Your Bank Details
Applicant 1
17.2 Your Solicitor / Conveyancer Details
Would you like us to recommend you a solicitor?
If No – Name of your solicitor’s firm?
Address of solicitor?
Postcode?
Name of your solicitor?
Solicitor’s telephone number?
Solicitor’s e-mail address?
17.3 Selling Estate Agent Details
Name of selling estate agent?
Estate agent’s address?
Postcode?
Estate agent’s telephone number?
Estate agent’s email address?
17.4 Vendor Details
Vendor’s name?
Vendor’s address?
Postcode?
Vendor’s telephone number?
Vendor’s email address?

Section 18: Declaration

Applicant 1
To be completed by all applicant(s)
Please read this document carefully before confirming
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