-

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 7.00am to 8.00pm every day, except public holidays.1

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.

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.

 

 

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.

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.