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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 all day, every day, except on public holidays.

0800 197 1081

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 remortgaging works

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 DocuSign 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.

Documents you’ll need to provide

For all applications

  • 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 
  • If you’re remortgaging from another lender, we’ll need to see your buildings insurance policy
  • Bank account details that you intend to make your mortgage payments from
  • Details of any outstanding loans, unpaid credit card bills, car finance, overdrafts, and so on
  • Details of any current life, critical illness or home insurance policies
  • 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 will liaise with the person we ask to value the property – this is usually the estate agent or property seller
  • Proof of your income (see below)
Other details you may need to provide, depending on your circumstances

If any applicant receives

Please provide the following

Benefit income, including Child Benefit

Latest benefit statement from the Department for Work and Pensions, confirming the type and amount of income you receive. The latest three full, consecutive months’ bank or building society statements* showing that you received the benefit income.

Maintenance income

The court order, CSA or Child Services Maintenance Arrangement, or your last 12 months’ bank or building society statements*, showing that you received the payments regularly.

A pension

Latest pension payslip showing your address, and your latest bank or building society statement* that shows the money has been paid. Alternatively, your latest three months’ bank or building society statements, together with either your pension statement, annuity or pension letter, or your pension P60.

If you want to

Please provide the following

Apply for an interest-only mortgage

Details of your proposed plan to pay back the amount you’re borrowing at the end of the mortgage term.

Pay off any financial commitments using your own money

We might ask you to show us where the money is coming from. For example, we could ask you to provide proof of the property sale price, a future bonus amount, savings in your name, the value of stocks and shares or money paid into your account.

Buy to let

See the documents you need to provide if you’re applying for a buy-to-let mortgage.

* You don’t need to provide statements for money paid into a Barclays account.

Documents that prove your income

For applicants in permanent employment

  • Payslips from the last three months confirming your basic income, as well as any monthly bonus, overtime or allowances you receive
  • If you receive any commission, monthly bonuses or overtime income, we’ll also need your latest P60 or HMRC annual tax summary 
  • If you receive any annual or quarterly bonuses, we’ll need either your latest two years’ P60s, HMRC annual tax summaries or payslips showing that you’ve received this income (any annual bonus needs to have been paid within the last 35 months)
  • If your salary is paid into a non-Barclays account, please provide your latest statements covering the last three months that show your basic income, as well as any overtime, commission, allowances or monthly bonuses

For self-employed applicants

  • Your last two years’ HMRC tax year overviews showing that your full tax liability has been paid. The most recent year may be replaced by financial accounts produced and signed by a qualified accountant
  • Your last two years’ tax calculations. This can be a printout of your online submission from the HMRC website, or the calculation submitted to HMRC by a qualified accountant with either a covering letter on their headed paper or the SA302s calculation provided by HMRC
  • For limited companies, we need the last two years’ accounts produced and signed by a qualified accountant. The most recent year must be dated no more than 18 months before your mortgage application submission date

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
  • 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

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.