Employed or Self-Employed/Permanent or Contractor. Here is a comprehensive list of the documents you need for a mortgage application.
Category: Resources
Energy Performance Certificate (EPC) Simplified + 15 EPC improving Tips!
Here is your 4-page breakdown of what an Energy Performance Certificate is and how it affects you. PLUS 15 Tips to help you make improvements to your property’s energy performance before getting an inspection!
Landlord Property Portfolio Spreadsheet
Excel sheet for you to manage and organize your property portfolio. Input details to see how much your portfolio LTV to how much it yields. Provide the spreadsheet to lenders when doing any mortgage application.
Help to Buy Equity Loan Calculator (For properties outside London)
This government scheme for first-time buyers is due to end in March 2023. The government provides a loan for you to use as part of your deposit towards buying a new build. Outside London you can get up to 20%. Every Help To Buy application fills in this calculator to break down what you can afford.
Help to Buy Equity Loan Calculator (For properties in London)
This government scheme for first-time buyers is due to end in March 2023. The government provides a loan for you to use as part of your deposit towards buying a new build. In London you can get up to 40%. Every Help To Buy application fills in this calculator to break down what you can afford.
Fact Find Document
Before any mortgage application is submitted the broker or mortgage adviser is required to “Know Your Client” (KYC). They do this by asking loads of questions and filling in a Fact Find. This Fact Find has all the questions that could be asked so you can prepare yourself.
10 step guide to increasing your credit score + Bonus Tips
10 Easy-to-follow steps plus some bonus tips to help increase your credit score. Increase your scores and increase your possibilities! Download the free, easy-to-read document below.
The Mortgage Process – A step by step guide
A walk through the mortgage process and what to expect. Also included are some tips to make your process easier.