The Mortgage Interview
Understanding our clients needs is key to giving good advice
The mortgage interview will be conducted with one of our qualified and experienced mortgage advisers. This can be done face to face or over the telephone, and will provide you with all of the information you need to be able to make an informed decision about your mortgage choice.
Our friendly advisers are ready to help you.
The adviser will need to talk through your current circumstances so that they can establish a number of things such as which mortgage product and repayment method is most suitable for you, how much can you afford to borrow and your insurance requirements.
During the interview the adviser will ask you to provide various pieces of information. If you are employed you will be asked for:
- Your last 3 wage slips and P60
- Your previous month's personal bank statement
- 2 forms of identification
- Details of any outstanding credit
- Previous mortgage statement (if applicable)
If you are self employed you will be asked for:
- Your last 2-3 years audited accounts
- Your previous month's personal and business bank statements
- 2 forms of identification
- Details of any outstanding credit
- Previous mortgage statement (if applicable)
In some cases, we may require a detailed assets and liabilities statement.
Our friendly interview process ensures you get the product that best suits your needs.
We ask that during the interview you disclose all relevant information to the adviser as a full credit search will be done later in the process (only with your consent of course!).
You will have direct contact with your mortgage adviser from the initial interview through to completion and they will be on hand to answer all of your questions throughout the process.
Contact us today on 01392 927327 or fill out our handy Online Enquiry Form to get started.
