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Starting your mortgage application

Get ready to apply

Find out how to book an appointment to start your mortgage application, and see the list of documents and information you’ll need to provide.

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

How do I apply for a mortgage?

Work out your budget

Before you apply, you need to work out roughly how much you can afford to borrow and what monthly payments you could afford. You can use our mortgage calculators to help with this – they’ll show how different types of mortgage affect the amount you pay both each month and in total.

Start your application

Complete an online Agreement in Principle (AiP) first and we’ll explain how to book your appointment afterwards. Having an AiP saves time at your appointment. If you’re buying a home using Help to Buy or a shared ownership scheme, call us to book an appointment instead of completing an AiP.

Work out your mortgage budget

Use our calculators to see what you can afford

Work out how much you could borrow, what your monthly payments might be and how your deposit amount affects your mortgage choices.

Get an Agreement in Principle

Get a head start on your mortgage application

Find out if we could lend the amount you need – without affecting your credit score. This usually takes about 10 minutes.

Help to Buy and shared ownership

Apply for a mortgage using a special scheme

Call us to book an appointment with a mortgage adviser, who’ll recommend a mortgage that suits your needs. Lines are open Monday to Friday from 7am to 8pm, and from 7am to 5pm at weekends.

0333 202 7580

Switching rate or remortgaging from another lender?

You can find out more about how to switch to a new rate or make other changes to a mortgage you already have with us. There’s also more details available if you want to move your mortgage to us from another bank or building society.

Switching mortgage deals

Find the right new deal for you

See the exclusive rates you could switch to for your home or buy-to-let mortgage.

How does remortgaging work?

Finding a new mortgage lender

Remortgaging means moving your mortgage to a new lender while staying in the same property. Our guide can help you decide if it’s right for you.

Preparing for your mortgage appointment

We’ll call you before your appointment to make sure you have everything you need. We might ask you to send us copies of some documents using a secure online system called Submit IT before your appointment – it’s an easy way to provide documents and statements if you receive them online and don’t have paper copies. We’ll give you clear instructions on how to do this.

Are you applying with someone else?

It’ll help us if everyone who’s applying for the mortgage also comes to the appointment. If anyone can’t come, please make sure we can contact them by phone during the appointment. Your mortgage adviser will need to speak to them to complete your application.

What you need for your appointment

This includes documents you need to read and accept

Documents you need to provide

  • Photo ID – current passport or full UK photo card driving licence
  • Proof of your address, dated within the last three months – such as a utility bill or bank statement
  • Proof of your income (see below)
  • If you’re remortgaging from another lender, we need to see your buildings insurance policy

Information you need to bring

  • The sort code and account number of the account you’d like to make your mortgage payments from
  • The current balance on any credit accounts in your name, such as loans, credit cards, car finance, and overdrafts. We may ask for proof of funds if you’re planning to repay any of these before the mortgage is finalised
  • Details of your current life, critical illness or home insurance
  • Details of any mortgages you have with other lenders, including buy-to-let or permission-to-let mortgages
  • Details of the property you want to buy, including the building type, value and full address. If it’s a leasehold property, we’ll also need to know the remaining term of the lease
  • Your solicitor’s details, whether you’re purchasing a property or adding/removing someone from a mortgage
  • Contact details for the person who’ll arrange access to the property for our surveyor – usually the estate agent or current owner
  • If you’re applying for an interest-only mortgage, we’ll need details of how you plan to pay back the amount you borrowed at the end of the mortgage term

Prior to your appointment, you’ll also need to read the relevant declarations – please see ‘Documents you need to read and understand’.

Documents that prove your income

 If you’re in permanent employment

  • Payslips from the last three months if you’re paid monthly
  • Payslips from the last five weeks if you’re paid weekly
  • If your salary isn’t paid into a Barclays account – the bank statement that shows the salary from your most recent payslip
  • If you receive commission, monthly bonuses or overtime – your latest P60 or HMRC annual tax summary
  • If you receive annual or quarterly bonuses – your latest two P60 forms, HMRC annual tax summaries or the payslips showing each bonus

If you’re self-employed

  • Your HMRC tax year overviews from the last two tax years. You can replace the most recent year with financial accounts produced by a qualified accountant
  • Documents that show your tax calculations from the last two tax years. This can be printouts of your online submission from the HMRC website, calculations submitted to HMRC by a qualified accountant, or SA302 calculations provided by HMRC
  • For limited companies, we need trading accounts for the most recent tax year. These must be produced by a qualified accountant and dated no more than 18 months before the date you submit you mortgage application 

Other proof of income we may need, depending on your circumstances

If this income is paid into a Barclays account, you don’t need to provide bank statements. 

If any applicant receives

Please provide

Benefit income, including Child Benefit

One of the following

  • Your latest statement from the Department for Work and Pensions, confirming the type of benefit and the amount you receive
  • For Child Benefit, your Department for Work and Pensions Child Benefit letter
  • A bank statement for the last full month, showing your benefit payment

Maintenance income

One of the following

  • The court order, Child Support Agency (CSA) or Child Services Maintenance arrangement
  • Bank statements for the last three full months, showing that you receive these payments regularly

A pension

Both of the following

  • A bank statement for the last full month showing how much you receive
  • Your latest pension payslip showing your address

Alternatively, you can provide bank statements for the last three full months, and one of the following

  • Pension statement
  • Annuity or pension letter
  • Your pension P60

Additional documentation if you’re applying for a buy-to-let mortgage

  • For each rental property, please provide your last three months’ bank or building society statements* showing payment of all rental income
  • You need to give us your most recent monthly letting agent fee statement for each managed property. This needs to be from the last three months and it needs to match the information on the corresponding bank statement you send us
  • For all residential, buy-to-let or permission-to-let mortgages you have with other lenders, please provide your latest bank or building society statement, or annual mortgage statements, showing your monthly mortgage payments 

*Bank statements are not required for Barclays accounts

Documents you need to read and understand

Before you apply for a mortgage, you need to understand what to expect from us – and what we expect from you. You need to read the documents that explain this before we submit your application. The documents are for information only, so you don’t need to sign them.

Residential mortgages

You need to read one document.

If you’re

You need to read

Applying for a new mortgage

Changing the rate on your mortgage

Buy-to-let mortgages

Interest-only buy-to-let

You need to read two documents

Repayment buy-to-let

You need to read one of the buy-to-let documents.

Buy-to-let documents

If you’re

You need to read

Changing the rate on your mortgage

Buying a property to rent out

Renting out a property you own, because your circumstances have changed

Submit IT - How to send your supporting documents

Find out how to send us the documents required for your mortgage application by following this step-by-step guide.

Welcome to this Submit IT customer tutorial.

We've created this short tutorial to help you upload documents relating to your application and e-sign any declaration sent to you.

Before we get started, please make sure the device of your choice is working properly. Ok, let's get started. You will receive an email from Barclays Bank alerts. This could go into your spam or junk folder. It's best practice to use a personal email address, as some business email addresses may have settings that block receipt.

Firstly, copy this reference number or write it down to enter manually. Click on the link embedded in the text to open the Submit IT site. Paste or write your reference number in the box provided and complete the confirmations requested. Then click continue.

Next, you'll need to enter your postcode without any spaces. This will be your current postcode and not for any new property that you're looking to purchase, then click continue. Select your mobile number from the options provided and click continue.

You'll then receive an authorisation code via SMS text message, so please have your mobile phone to hand, if you're accessing this page on the same mobile the SMS has been received, when you click in the box, the code will automatically be added in. If not, make sure you carefully type it in. Please note the code must be entered within ten minutes of receipt or it will expire and a new one will need to be generated.

Any documents that your advisor has sent to you can be viewed and downloaded here, and any that require an electronic signature can be signed here. A list of the documents required will be listed here.

You can now upload the documents relating to each request type. So a few things to remember. Be sure to attach the correct document to the relevant label. Click the Plus button to add multiple documents for the same type. For example, latest three months payslips. Each file has a five megabyte limit. PDF format is best. If you are uploading a photo such as a JPEG file, please ensure that the photo is clear, legible and shows the whole document. All requested documents must be uploaded before you can continue.

Now that you've uploaded your documents, you may be requested to sign disclosures, which is completed through another system called DocuSign. This request will send a new email to you, for you to action.

At this point, you'll receive another email. Select the "Click Here" link to access the DocuSign system. Tick the agreement and click Continue. Please read the information provided and if you're happy to proceed, type in your name to electronically sign.

Repeat the process of typing your name for any further places to electronically sign. This screen then shows you how to access the documents that you've e-signed. When you're finished, you can then close this window.

If you see this message. It's because the second applicant has not e-signed the documents. Please ask them to check their email for the DocuSign link and follow the same steps. Once all applicants have signed, you can come back to this page and then continue.

You should now have successfully completed this process and be ready for the next steps in your mortgage journey.

Thank you for watching this tutorial video. 

 

 

What to expect at your mortgage appointment

Watch our two-minute guide to what happens when you talk to one of our expert mortgage advisers and the kind of questions they’ll ask.

Visual: A leaflet titled ‘A guide to Barclays Mortgage appointments’ in the style of an airline safety card.

Thanks for joining us today as we take you through the pre-flight checks for your Barclays mortgage appointment.

The appointment is a chance for you to have a chat with a qualified mortgage adviser, so we can make sure you apply for a mortgage that suits your destination.

We’ll also talk to you about having the right insurance, so you’re protected if you encounter any turbulence in your personal circumstances in the future.

Visual: animation of documents being scanned

If you want to make your application as smooth as possible, please make sure you can provide all the documents relevant to you.

We’ll call you before the appointment to help you prepare and let you know how long it’s likely to take and explain that we need you to send us scans or photos of your documents before your appointment using a secure system called DocuSign, instead of adding them to your luggage on the day. This will speed up your application, although you can still bring them with you if your appointment is face to face.

Visual: Animation of passengers seated on an aircraft.

Once you’re seated, we’ll look at your income and your spending commitments, like payments on loans, credit cards or other mortgages and ask you about anyone who depends on you financially.

Then, when we’re happy that you can afford the monthly payments, we’ll ask for your consent to run a full credit check on everyone who’s applying.

If everything’s OK, we’ll talk about your preferences and circumstances, answer any questions you have and then recommend a mortgage we think is right for you.

We’ll also recommend appropriate protection. Think about how you’d cope financially if any of the people applying couldn’t contribute to the monthly payments due to premature death or critical illness. So if the worst should happen, your family and loved ones will be able to stay in their home. 

Visual: Animation of someone fastening their safety belt.

You’ll also need buildings insurance, so your adviser will ask if you have the right cover for your needs, and check the documents for any insurance you currently have.

If you’re happy with everything, we’ll ask you to sign the application and submit it for processing, and tell you how to check its progress online while you sit back and relax.

Visual: Animation of aircraft landing safely.

We might get in touch if our lending experts need to check something, but if not, our adviser will let you know when your application decision will arrive. All you need to do now is start preparing your documents and wait for our call.

Visual: Barclays logo

What happens after your mortgage appointment

Watch our five-minute guide about what happens after you complete your application at your mortgage appointment, from the property valuation to accepting your mortgage offer.

Visual - video title appears – ‘After your mortgage appointment – What happens next?’

Todd, a Barclays mortgage adviser, standing in a Barclays branch: Hi! My name is Todd and I work in the Barclays mortgage team.

John, from Barclays mortgages, standing in a Barclays branch: So your mortgage application is being submitted by your adviser. That's great! Applying for a mortgage with Barclays is really quite straightforward. 

Todd: Mortgages can sometimes seem complicated, but we'll help you make it as easy as possible. 

Michaela, a Barclays mortgage adviser, standing in a Barclays branch: We've introduced Track It to keep you up to date along the way.

John: Now, you can check how your application is progressing 24 hours a day, 7 days a week. So how does it work?

Visual – A quick animation of the process: an application form appears, followed by a man with a speech bubble, a desktop PC and a mobile phone, a tablet featuring the Track It log in page and then the web address www.barclays.co.uk/trackit

After we have received your application, you'll be sent your 10 digit mortgage application number, by email or text. Then all you need to do is enter that number and your current post code into our Track It facility at barclays.co.uk/trackit.

Michaela: If you like we can also send you updates via text message or email.

John: Once your mortgage interview is over and we've submitted your application to our underwriters with all your documents, what happens next?

Visual - An animation of an application form and a mortgage underwriter sitting at a desk using his computer. This is followed by a house with stacks of money next to it. 

The first step is for one of our mortgage underwriters to check your application. Once approved, they will instruct the valuation on your property to go ahead. The valuation is for Barclays to get an independent view of what the property is worth in the current housing market.

Todd: At the same time, and if your application is to purchase a property, your solicitor will be checking that there isn't anything wrong with your new home, or the land it is built on, from a legal perspective.  They do this by carrying out legal searches relating to the property, things like Local Authority searches and planning permission checks.

John: Whilst all this is happening, if you have applied for any Life or Life and Critical illness cover, make sure you respond to any requests from the insurer for documents or information as soon as possible. 

Michaela: Being quick to reply will really help ensure that your cover is in place the moment you exchange contracts.

Todd: Once the underwriter is happy to agree your mortgage  and the valuation of your property is accepted, you'll get your mortgage offer! 

John: If you are applying for a further advance, you simply need to sign, date and return the mortgage offer in the supplied envelope and send it to us. But only do this if you want the funds released.

Tanzeela: This can be an exciting part of the process, but if you are buying a property or re-mortgaging from another lender, there is still some way to go before the application is complete.

Todd: So, what happens next?

Visual – A quick animation of a house with ‘mortgage offer’ text below, followed by a solicitor waving and then a mortgage deed document. A solicitor and customer sit at a desk and discuss fixtures and fittings.

Unless you're simply applying for further funds, once you've received your mortgage offer your solicitor will ask you to sign the mortgage deed. At the same time if you are purchasing a property they'll chat to you about any fixtures and fittings that can be left in the property or bought from the seller.

Tanzeela:  After this, you will need to wait for your solicitor to arrange a date for the exchange of contracts.

John: Exchanging contracts means you formally agree to buy the property and pay the deposit.

Todd:  This is when the seller and the buyer become committed and the sale becomes legally binding. You must make sure you have Buildings Insurance in place on the property from this date.

Visual - An animation showing a sold sign, followed by a laptop showing funds being transferred electronically, a solicitor sitting at a desk, the title deeds document and finally a house complete with keys and  couple holding hands.

The day of completion is when your solicitor sends the funds to the seller and the ownership of the property transfers to you. This is a very exciting day when you get to collect the keys to your new home and start moving in.

Tanzeela: If you are re-mortgaging from another lender or applying for further borrowing, this is the day that your new mortgage starts, and any extra funds applied for, are released.

Todd: At Barclays, we want to continue to support you even after your mortgage has completed. For example, we will automatically register you for our Online Banking service.

John: So, once your mortgage has completed, you can use our Online Banking service or mobile app to check your mortgage details. 

Michaela: You can look up your balance and any transactions you've made, and check your mortgage rate along with its remaining term. If you want, you can also set up regular overpayments or make one-off reductions on your mortgage.

Visual - An animation of a man waving saying with ‘Try the Cloud It service’ in a speech bubble. This is replaced by a customer sitting at a desk with documents going to and coming from the cloud next to them.

Another way we can help make life easier is with our free Cloud It service.  Here you can store, view and manage your important documents safely and securely on line. 

Tanzeela: So for example, this is where we'll automatically store all your mortgage statements, payment notices and notifications of your deal coming to an end. 

John: You can then easily access all these documents anywhere, any time via our Online Banking or mobile app.

Todd: So is that it? Almost, but not quite! Don't forget that when your existing mortgage deal comes to an end, you can easily switch to another one of our mortgage products.  It's simple - if you don't want any advice you can do this using our online rate switch facility, if you’re comfortable doing so.  Or if you would like some advice, you can speak to one of our mortgage advisers or to an independent mortgage broker.

John: So that’s a summary of what happens after your mortgage application is submitted. If you'd like more information on our products and services please visit barclays.co.uk/mortgages.