What do I need to apply for a mortgage?

Mortgage applications

Buckingham James is a whole of market independent mortgage and protection advice broker.

We deal with hundreds of lenders who each in turn offer multiples of different mortgage schemes and options.

Thankfully, when it comes to applying for a mortgage they generally follow a similar pattern when it comes to the application process.

As experienced Mortgage Brokers we know that the easier we make it for the lender to assess your application, the better the chances are of a quick turnaround from application to making an offer.

For a successful outcome to the process, the more information you have to hand the better.

When you have a meeting with one of our advisers they will go through a fact find with you where they will gather all the information they require.

They will also give you a shopping list of information you will be asked to provide:

Typically (and where applicable) for each applicant this will include;

Confirmation of your past 3 years addresses.

Your current Passport or Driving License.

One or two Utility bills (in the last 3 months).

Council Tax Statement.

Last 3-6 months bank statements (if these are printed off the internet they will need to show your account number and name)

Details on any loans, credit cards, mortgages or other secured or unsecured debts.

If you receive any benefits, tax credits, pension income or any other secondary income you may need proof of this.

If you are employed:

Last 3 months payslips and most recent P60.

If you are self-employed:

Last 3 years set of accounts or SA302’s.

Depending on the lender we place your application with, there may be further documentary requirements.

However, we will walk you through the entire process from the beginning to a very happy and successful outcome!

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