Preparing to apply for your mortgage2019-02-11T14:47:57+01:00

Preparing to apply for your mortgage

Talk to us now!

If you are thinking about your next mortgage we encourage you to come and talk to us as soon as possible so that we can tell you how much you will be able to borrow.

How much deposit will I need?
It’s likely that you will need a minimum 10% deposit

What information will you need me to provide?
It’s really important that you can provide the following, ideally at your first meeting, to make the process quick and easy:

  • Your last month’s bank statement (this demonstrates to the lender your account ‘conduct’)
  • Three most recent payslips (these must be in PDF format because the lenders won’t accept a photo)
  • Evidence of ID (Driving Licence or Passport)
  • Proof of address (a utility bill dated within the last 3 months)
  • A completed Fact Find document: required by our regulator, the Financial Conduct Authority, for every customer. Download the document here.

Credit history
It is essential that you tell us about all outstanding debts so that we can get you the best deal. Any background debts will be picked up when the credit search is undertaken and, if not disclosed at application, will result in a delay or decline of your application.

I just wanted to post a recommendation for Clark and Poole. I keep hearing horror stories about how long mortgages are taking at the moment due to the recent changes but I’ve just had my formal mortgage offer through and it’s taken around 3 weeks because Bob and Andy made sure I provided everything the mortgage company could possibly need up front. Great service!
Clare Waller
Choosing a Solicitor

Choosing a solicitor, estate agent or surveyor

Design

FAQ

Life Insurance

Protecting your mortgage

How we are paid

How Clark & Poole are paid

Documents

Clark & Poole Documents

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. TYPICALLY WE DO NOT CHARGE A FEE FOR MORTGAGE ADVICE, HOWEVER IN SOME CIRCUMSTANCES THERE MAY BE A FEE FOR MORTGAGE ADVICE AND THIS WILL BE AGREED AT THE OUTSET.