YOUR MORTGAGE STARTING POINT
Tell us your situation. Get a clearer next step.
A structured starting-point check covers your goal, location, income, deposit or equity, credit concerns and timing. It does not accept or reject you.
The six things we’ll organise
Choose the closest answer; an adviser can deal with the detail later.
01
Your goal
Buying a first home, moving, remortgaging or arranging finance for an investment property.
02
Location
Northern Ireland, Scotland or elsewhere in the UK can affect property process and adviser routing.
03
Household income
Employed, self-employed, company-director, contractor, foreign income or benefits plus other income.
04
Deposit or equity
Your expected amount helps establish a likely loan-to-value range and realistic preparation steps.
05
Credit position
Missed payments, defaults, CCJs, arrangements or historic bankruptcy do not always make a mortgage impossible; dates, values and circumstances matter.
06
Timing
Acting now, within a few months or simply researching changes the most useful next step.
Documents worth gathering
A clean document pack makes the first assessment more productive.
01
Employed applicants
Three months’ payslips and bank statements, latest P60, photo ID and proof of address.
02
Self-employed applicants
Accounts or tax calculations, SA302s and Tax Year Overviews, and business and personal statements.
03
Company directors
Company accounts, tax documents, business and personal statements, plus salary and dividend details.
04
Contractors or foreign income
Contracts, employment history, currency payslips, income statements and any relevant residency or visa evidence.
Human-led, never “computer says no”.
We look at the whole story and explain the most practical next step.