Mortgages

Mortgage Checklist

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Mortgage Checklist

What documents do you need to apply?
Regardless of your mortgage provider, you’ll need the following documentation:

  • Current account bank statements for the last 6 months.
  • Savings account statements for the last 6 months.
  • Proof of your income: your latest P60/ Employee Benefit Statement
  • 3 recent payslips.
  • 6 months credit card statements.
  • Proof of rent paid to the landlord (if applicable). Rent book not sufficient.
  • Details of any loans, amount, rate and repayment (if applicable).
  • Salary cert stamped by an employer.
  • Self-employed 3 years certified accounts.
  • Photo ID: such as a valid passport or driving license.
  • Proof of your current address: such as a household bill in your name.
  • Fully completed application form.

*Information correct as at 25/01/2022

What is a mortgage in principle?

Also known as an “Approval in Principle”. An approval in principle is a certificate or statement from a lender to say that ‘in principle’ they would lend a certain amount to a particular prospective borrower or borrowers based on some basic information. We can provide you with impartial advice, tailored to your individual circumstances.

The Benefits of Getting an AIP

  • Having a Mortgage in Principle to show that you can in theory afford to buy a property could make you a more attractive buyer and stand you apart from other prospective buyers.
  • If you have had credit problems in the past, or if you have a limited credit history and aren’t sure what a bank or building society might lend to you, n AIP could give you added reassurance around your borrowing prospec

Remember However

  • An AIP is not a guarantee, and when you go through the full application process and the lender looks at your earnings and credit history in more detail they may decide not to lend to you

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*Subject to underwriting criteria, lender terms and conditions apply.

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    Warning: If you do not keep up your repayments you may lose your home.

    Warning: The Entire amount that you have borrowed will still be outstanding at the end of the interest-only period.

    Warning: The cost of your monthly repayments may increase.

    Warning: This new loan may take longer to pay off than your previous loans. This means you may pay more than if you paid over a shorter term.

    Warning: Purchasing this product may negatively impact on your ability to fund future needs.

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