Borrow Mortgage

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What lenders will want to know before you can borrow

Before you can borrow money, mortgage lenders need to be sure that you can afford the mortgage repayments and that the property is worth what you intend to pay for it. Expect lots of questions about your income and expenses, including what you spend on big nights out.

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Before you can borrow, mortgage lenders need lots of information from you. You'll need to provide proof of your earnings, usually in the form of payslips (unless you go for a self certified mortgage) together with detailed information about your outgoings: credit cards, hire purchase agreements and so on.

In addition to your income and expenses, the lender will need details of the property too: how much it's selling for, what percentage you intend to borrow, and whether you plan to make any immediate improvements. If the lender is happy you'll be given an agreement "in principle" subject to survey, which means that provided you're telling the truth about your finances and the survey doesn't show that the property's worth a fraction of the asking price, you'll be able to get your hands on the money.

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