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Be prepared for your mortgage appointment by making sure you have the correct documents your mortgage adviser will need to review your financial situation and identity. This will ensue the process is as productive as possible.
For your first appointment the more documents you can bring the more efficient and effective your appointment will be.
Employers’ details for the last 3 years (name, address, telephone number and dates you were employed there)
3 weeks’ or 3 months’ payslips
Latest P60 (usually issued by your employer in April/May)
Last 2 years’ copies of SA302s /audited accounts (if self-employed)
Bank statements (latest 3 months)
Your latest annual mortgage statement
Details of existing outgoings including details of other loan commitments
Proof of residency (eg. utility bill or bank statement, within the past 3 months)
Details of all existing personal and mortgage related insurance
Employment benefits (eg. sick pay, pensions, car allowance)
New property details (only if not buying a property through Intercounty)
Embrace financial services have access to thousands of mortgages.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Embrace Financial Services usually charges a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £499 to £999 and this will be discussed and agreed with you at the earliest opportunity.