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Mortgage appointment after Agreement in Principle

How to prepare

If you’ve got an Agreement in Principle (AiP) with us, find out what you need for your appointment with our mortgage adviser.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Got your Agreement in Principle?

An Agreement in Principle lets you know whether you could borrow the amount you need.

You can get an AiP online in about 15 minutes in most cases and we’ll give you an answer straight away, without affecting your credit score. Then you can book your mortgage appointment.

If you’re planning to use a help-to-buy or shared ownership scheme to buy a property, call us1to book an appointment in a local branch instead. Lines are open all the time, every day – except during the Christmas period, when they may be closed at off-peak times.

Call 0800 197 1081

Documents you’ll need to provide

Your mortgage adviser will need to see a selection of documents to confirm your identity, address and income details. Here’s what you’ll need to bring with you.

Photo ID (one from this list)

  • Current, full UK or foreign passport
  • Current EU national identity card2with photograph
  • ·Current, full UK photocard driving licence

Current address documents (one from this list)

  • Current, full UK or foreign paper or photocard driving licence (if not used as photo ID)
  • Utility bill (less than 3 months old)
  • UK or foreign bank, building society or credit card statement (less than 3 months old)
  • TV licence letter or Direct Debit agreement showing your name and address (less than 12 months old)
  • Council tax bill, payment book or exemption certificate (less than 12 months old)
  • Latest HMRC tax demand or PAYE code letter (less than 12 months old)

Income documents

  • If you’re employed

    • Latest 3 months’ payslips, or 13 weeks’ payslips if you’re paid weekly
    • P60 documents from the last two years
    • Latest 3 months’ bank statements that show your salary or wages being paid in
    • Details of other income – eg Working Tax Credits, Child Tax Credits, Child Benefit, Disability Living Allowance, pension and any others. We’ll need all original pages of the latest award letters and for pensions we’ll need 3 months’ pension payslips
    • Details of credit commitments – such as loans, credit cards, car finance and overdrafts
    • Details of any current life, critical illness and home insurance policies you have
    • Details of any mortgages you have with other lenders
    • Latest mortgage statements for any buy-to-let properties you own
    • Repayment plan (if you’re applying for an interest-only mortgage)
    • Property details, including the building type, its value and the full address
    • Solicitor details
    • Contact details for the person who will liaise with our surveyor – this is usually the estate agent or property seller
  • If you’re self employed

    We consider you to be self-employed if you own more than 15% of a limited company.

    • Latest 2 years’ tax assessment forms (SA302) or HMRC online self-assessment tax calculations (dated within the last 18 months)
    • Latest 2 years’ HMRC tax year overviews, or audited accounts for the last year that are signed by an accountant and company director (dated within the last 18 months). If you’re planning to use dividends or retained profit to support your mortgage application, then you’ll need to provide 2 years’ audited accounts. These accounts must show your percentage of the business if it’s less than 100%
    • HMRC tax year overview for your previous year
    • Latest 3 months’ bank statements from your current or bills account
    • Details of other income – eg Working Tax Credits, Child Tax Credits, Child Benefit, Disability Living Allowance, pension and any others. We’ll need all original pages of the latest award letters and for pensions we’ll need 3 months’ pension payslips
    • Details of credit commitments – such as loans, credit cards, car finance and overdrafts
    • Details of any life, critical illness and home insurance policies you have
    • Details of any mortgages you have with other lenders
    • Latest mortgage statements for any buy-to-let properties you own
    • Repayment plan (if you’re applying for an interest-only mortgage)
    • Property details, including the building type, its value and the full address
    • Solicitor details
    • Contact details for the person who will liaise with our surveyor – this is usually the estate agent or property seller

What to expect at your mortgage appointment

What happens after your mortgage appointment

Agreement in Principle (AiP)

Take the first step to your mortgage with an AiP

Start an Agreement in Principle (AiP) online to find out quickly if you could borrow the amount you need – without affecting your credit score.