Malcolm Davidson – Managing Director
In order to make sure you’re prepared ahead of time, please feel free to watch the above video or take a look at our checklist below.
Proof of ID & Address
Firstly, you'll need to provide proof of who you are and where you live.
Proof of ID - Passport, driving licence.
Proof of Address - Passport (if not used for proof of ID), driving licence (if not used for proof of ID), council tax bill.
Proof of Income
One of the most important things that lenders will want to know is 'how much do you get paid'.
Proof of Income for an Employed Applicant - Last 3 months' payslips or 13 weeks' payslips if you're paid weekly.
Proof of Income for a Self Employed Applicant - 2 years' tax calculations & tax year overviews.
Proof of Income for a Zero Hour Contract Applicant - 52 weeks' payslips.
Bonuses, commission & overtime will be evidenced on your payslips or P60.
Proof of Affordability
Lenders need to know how well you conduct your finances and whether you're a reliable customer or not.
Proof of Affordability - 90 days of bank statements.
Lenders will pay particular attention to your salary, outgoings, recurring bills, bounced direct debits and gambling transactions.
Overdrafts are generally okay, as long as you are living within your means.
Proof of Deposit
Although this can be the hardest part to evidence on your document trail, it's essential that you provide proof of how you got your deposit.
Proof of Deposit - If the savings have been built up in an account over time, this will be evidenced on your bank statements.
Proof of Gifted Deposit - Keep the lump sum inside the donor's account.
Large bank transfers may force your lender to ask questions. Large credit transfers will always need to be evidenced for anti-money laundering purposes.
Our mortgage advisors are available early in the morning and late at night so that you can book a mortgage appointment at a time that best suits you.
All you have to do is book online and select your preferred date and time.
Your case manager will go above and beyond during the whole mortgage process to ensure that you receive the best service possible.
Customer service is at the heart of our business. Take a look at our fantastic customer reviews to see what others have thought of our service.
We want to make sure that you have the most suitable insurance products in place for the future.
In order to find a deal that is suited to your personal and financial situation, we will search through many different lenders across our panel.
Your mortgage advisor will answer all of your mortgage queries, no question is a stupid question.
No matter the hurdle we are faced with, we will always try our best to help you overcome it!
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excellent service
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