-

Mortgage appointment

How to prepare

Find out which documents you’ll need and what you’ll discuss with our mortgage adviser at your appointment.

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

Before your appointment

We’ll call you on the telephone number you’ve given us before your appointment to make sure you have everything you need. We’ll also ask you to send us copies of some documents using a secure online system called Docusign ahead of the appointment – it’s an easy way to provide documents and statements if you only receive them online with no paper copies. We’ll give you clear guidance on how to do this.

Documents you’ll need to provide

If you’re moving your mortgage to us from another lender, we’ll need to see your buildings insurance policy document as well.

Photo ID (one from this list)

  • Current, full UK or foreign passport
  • Current EU national identity card1 with 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

    You’re 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

  • Video transcript

    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

  • Video transcript

    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.

Getting a mortgage appointment

The tips on this page will help you prepare for an appointment you’ve already booked with us. If you haven’t done that yet, you can either get an Agreement in Principle (AiP) online or call us to arrange an appointment time. For most people, getting an AiP is the best next step.

Agreement in Principle

Find out 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 straightaway – and there’s no effect on your credit score. Then we’ll tell you how to book your mortgage appointment.

Using a special scheme?

If you’re planning to use a help-to-buy or shared ownership scheme to buy a property, call us2 to 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