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Helpful Hints
Give Yourself A Headstart
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What documents will you ask me for when applying for a mortgage?
It will depend on your individual circumstances, however, the following documents will be handy to start with:
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ID (passport, driving license)
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Payslips
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Bank Statements
Having these all up to date with your current address will be a big help.
Do I need to take out protection when I take out a mortgage?
It is not mandatory to take out protection for your mortgage, however, this is probably the biggest financial commitment of your life and something you will certainly need to consider. I will go through all the options with you at the time of your application.
But the estate agent says I have to use their mortgage advisor else I can't offer on the house?
This is not true. If an estate agent is telling you this they are wrong. You can decide who you get your mortgage through, it is your choice completely.
Typically, we charge a fee of £495 for arranging your mortgage, the exact amount will depend on your circumstances. Where a fee is charged, we will only charge this once during the term of the mortgage.
Your home or property may be repossessed if you do not keep up the repayments on your mortgage.
Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.As with all insurance policies, conditions and exclusions may apply.
The Mortgage Social is an appointed representative of Stonebridge Mortgage Solutions LTD which is authorised and regulated by the Financial Conduct Authority. Registered office: Office 19, Phoenix House, Hyssop Close, Heath Hayes, England, WS11 7GA Registered company number 14874887 registered in England and Wales.
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