Can you provide documents to prove your stated annual income? (e.g. employer's letter, recent PAYE slips, at
least 3 bank statements (preferably 6 for affordability calculations) and/or 3 years audited accounts if your are self
employed. If you are not able to prove your income please tell us why.
We may be able to arrange a self cert mortgage for you but this will usually be at a higher interest rate than
a mortgage where you supply proof of income.
Are there any critical reasons why you need to exchange contracts or complete your mortgage by a certain
date? If so tell us at the outset - it could affect the type of product and might cost more.
Make sure that you have provided evidence of all current mortgages, debts and outstanding credit -this includes
all credit cards,secured loans, missed payments, IVAs, CCJs. Failure to do so will result in at best unnecessary delays and/or
disappointment if the mortgage is declined due to non disclosure or unsuitablity of the product.
