Preparing For Your Meeting

Before your first meeting it would be helpful if you would have the following information to hand:

• Bank statements – three months worth of the most recent statements from your personal or billing account
• Accounts – if you are self-employed. We will need your last two years of accounts, preferably certified
• Proof of identity – valid passport and/or drivers license, both paper and photo versions
• Utility bills – last three months from your current address

The initial meeting with your Mortgage Advisor is treated as a fact finding mission or financial review. They will try to ascertain where you are financially, your life goals and the resources you currently have available.

The second meeting will be to run through their recommendations for you. This meeting will also be used to fill out any forms if you decide to proceed.

Your advisor will submit the paperwork. Generally speaking, it is customary to get a mortgage decision from a lender within 15 working days.

Your advisor will liaise with your estate agent, solicitor and lender, working in partnership until you have the keys to your new home in your hand.

After you’ve moved in and are settled, your mortgage advisor will keep in touch with you and will make an appointment three months before your current mortgage is due to expire; to make sure you get the best deal available from the market place.