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.

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

    Warning: The cost of your monthly repayments may increase.

    Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

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