UK Mortgage enquiry

To apply for a mortgage you would need to be:

• Not currently bankrupt or subject to an Individual Voluntary Arrangement (IVA)​
• Not legally prevented from entering into any form of contract

To prepare for your mortgage appointment you'll need to bring the following information and documents with you:

• Details of your current annual income including a breakdown of your last three years' salary or other form of income(s)  ​
• Details of your approximate annual expenditure to estimate your net annual disposable income after normal living expenses​
• Details of your total personal assets including cash deposits, investments, properties and any other assets​
• Details of your total personal liabilities, whether taken solely in your name or jointly with others, including all forms of  loans, credits cards, HP or lease agreements, but excluding mortgages​
• Details of whether you intend to let the property or already do so, and estimated or actual rental income ​
• Details of how you intend to repay the full amount borrowed at the end of your mortgage, given this will be an interest-only mortgage​
• Proof of your ID, such as your passport​
• Proof of your current residential address, such as a utility bill or bank statement

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