What Information is Needed to Support Your Mortgage Application?


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Your guide to completing our client questionnaire

To allow us to understand your requirements to enable us to tailor a solution customised to your needs we ask our clients to complete a questionnaire (also known as a fact find).  Below is an overview of what we'll be asking for to help you provide as much detail as possible.

Personal Information

What personal information is needed?

- Confirm your title

- Check your full name

- Let us know if you have been known by any other - names?

- Update your date of birth

- Whats your nationality?

- Do you have right to reside?

- Confirm your marital status

- For insurance purposes, do you smoke?

- Confirm your phone number

- Confirm your email address

You will be asked if you want to add additional applicants into the questionnaire if you need to.  Once you have ticked ‘Saved’ the page below will appear to re check details before continuing.

PLEASE NOTE ALL * QUESTIONS WILL NEED TO BE COMPLETED TO ENABLE NEXT PAGE TO BE COMPLETED.

Address History

We'll need at least 3 years of address history

Most lenders require at least 36 months of address history to help validate your credit history.  You can search by postcode or address.  When you start typing in postcode it will come up with list of address for you to select.  If your address does not come up please input in manually.  Please update your residency dates for each property.

  • You will need to indicate which is your current residence by checking/unchecking the ‘I currently live here’ check box.
  • Please confirm your residence status (Homeowner/Tenant/Living with Friends/Family).
  • This will open up some further questions depending on your response, for example if your a Homeowner please complete the details about your existing mortgage if relevant (such as lender, balance, monthly payment).

PLEASE NOTE ALL * QUESTIONS WILL NEED TO BE COMPLETED TO ENABLE NEXT PAGE TO BE COMPLETED.

Dependants

Do you have any dependants?

Please tell us if you have any dependants (child or adult).  Ticking Yes will bring up an ‘Add’ button to input in child details.

- We'll need your dependants full name

- Date of Birth

- Who are they dependent on – whether they are only dependant on you or other applicants.

- Relationship to who child is dependent on

- Until what age are, they dependant on?

Once saved if you need to add another child on click ‘Add’ button again.

PLEASE NOTE ALL * QUESTIONS WILL NEED TO BE COMPLETED TO ENABLE NEXT PAGE TO BE COMPLETED.

Income

Your Income

We'll need this to understand your income in detail to be able to assess how much you may be able to borrow.  To do this we'll need:

- Your occupation

- Your National Insurance Number

- Your Expected Retirement Age

- Your Employment Status, select from:

Employed - Once selected will open up more questions, employer details and basic pay.

Self Employed - Once selected will open up more questions, business name, type of business, time you have been self-employed for, profits 3 years, accountant details, net monthly income.

Retired - Once selected will open up to confirm net monthly income.

Unemployed

- Personal – Bank Details

- Years with Bank

- Name of Current Bank

- Other – Annual Income such as Child Tax Credit or any other investments.  Ticking Yes will bring up more questions where you will need to input in annual income for Working Tax credits, Child Tax credits, Child benefits, Pension Income, Investment income, Maintenance income or Other income.

PLEASE NOTE ALL * QUESTIONS WILL NEED TO BE COMPLETED TO ENABLE NEXT PAGE TO BE COMPLETED.

Liabilities

Your Liabilities

Your liabilities are any loans, hire purchase agreements, credit cards or overdrafts that you may have.  Please select Yes/No whether you have any liabilities.  If you do select Yes, please click on ‘Add’ button to input details in :

- Type of Liability

- Lender

- Whether you want to repay with mortgage

- Who is the liability relevant To – where liability is relevant to only you or both applicants on questionnaire.

Click Save.  You can add on as many liabilities as you have.

PLEASE NOTE ALL * QUESTIONS WILL NEED TO BE COMPLETED TO ENABLE NEXT PAGE TO BE COMPLETED.

Protection

What insurances do you hold?

To help us provide you with the most rounded set of solutions we like to understand what insurances you hold, Please tick Yes/No as to whether you have:

- Death in Service

- Employer Sick Pay

- Life Assurance

- Healthcare Protection

- Buildings & Contents Insurance

If you select Yes to any, it will bring up ‘Add’ button to input in Amount of Cover and who it is relevant to either just you or both applicants on questionnaire.

PLEASE NOTE ALL * QUESTIONS WILL NEED TO BE COMPLETED TO ENABLE NEXT PAGE TO BE COMPLETED.

Credit History

Your credit hisotry

It's important to understand your credit history, Please tick Yes/No as to whether you have.  If you don't have full details dont worry get in touch with us and we can help to gain access to your credit report.

- Ever had CCJ’s or loan defaults?

- Ever had mortgage arrears?

- Ever been declared bankrupt?

- Ever entered an IVA or debt management plan?

- Ever been subject to a repossession?

If you select Yes to any, it will bring up ‘Add’ button to input in type, when registered, amount, date if satisfied, who it is relevant to.

PLEASE NOTE ALL * QUESTIONS WILL NEED TO BE COMPLETED TO ENABLE NEXT PAGE TO BE COMPLETED.

Your Needs

What are your requirements?

This section is probably one of the most important, what are your requirements so we can tailor a solution to your needs?  For example:

What kind of mortgage do you require? 

Selecting Remortgage will bring up some follow up questions.

- What is it for? Either buy to let or Residential

- Buying Scheme.

Selecting Purchase will be bring up some follow up questions.

- What is it for? Buy to let of Residential.

- Is it a new build? Select Yes/No, selecting Yes will bring up to fill in plot number.  Search by postcode or address.

- Style of property.

- Purchase Price

- Buying Scheme

Anything Else

Finally is there anything else?

You have reached last part of questionnaire; please ensure you check the pages at the top before completing.

All pages should be in green, if they are still white please return back to that page and complete the missing information.

This is your chance to add in any additional notes you wish to let me know.

 Please read below disclosures and tick to confirm and submit.

Don't forget we're always here to guide you through so if you get stuck dont hesitate to get in touch

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