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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 – Video title appears – ‘What to expect at your mortgage appointment’
    Todd, a Barclays mortgage adviser, standing in a Barclays branch: Hi! My name is Todd and I work in the mortgage team at Barclays.
    John, from Barclays mortgages, standing in a Barclays branch: So you've booked your mortgage appointment with a Barclays adviser. We're really looking forward to speaking to you!
    Todd: We’re aware that the process can seem daunting, so we have created this short video to help you prepare for the meeting.
    John: To start your mortgage application, your adviser is going to need to gather some information about you, and your finances. So, supplying all the right details and documents will really help us to speed things up.
    Todd: The first thing we'll need to do is check your identity. Also, if you are not already a Barclay's customer, we'll set you up on our system. To do that, we'll need to see two documents.
    Visual – An animation of a passport and driving licence
    The first one is proof of identity, so something like a photo driving licence or a passport.
    Visual – An animation of a utility bill and a house
    The second document will need to be a proof of address, an original utility bill from within the last 3 months would work.
    Tanzeela, from Barclays mortgages, standing in a Barclays branch: After that, your adviser will ask you about your financial commitments; things like any existing mortgages, credit cards, loans and hire purchase agreements.
    Todd: We recommend having as much information as possible to hand, including your bank statements from the past 3 months showing your salary being paid in.
    Visual – Text on screen stating that existing Barclays customers have the option of securely uploading their documents.
    Tanzeela: Your monthly direct debits and standing order details, and how long is left to run on any loans or agreements, as well as their balances, and interest rates.
    Michaela, from the mortgage team, standing in a Barclays branch: As we said before, the process will be much faster if you've got the right documents with you.
    John: Next your adviser will talk to you about the mortgage itself. We will ask you questions around the loan amount, the preferred term (which is how long the mortgage will be in place for), product type and how you plan to repay and understand your preferences and priorities. To make sure we recommend the mortgage that is right for you, we'll make searches with credit reference agencies look at your employment situation and your income.
    Todd: If you're employed, we'll need you to supply: your last 3 months payslips or 13 weeks if you're paid weekly and your last 2 years P60s.
    Visual – Animation of three payslips and 2 P60 documents
    Todd: If you're self-employed, we'll need your last 2 years' SA302 and HMRC Tax Year Overview documents. We’ll also require details of any other income you may receive; for example child benefit or tax credits.
    Visual – Animation of two SA302 documents and two HMRC Tax year overview documents
    John: Taking out a mortgage is a big step. When you take out a Barclays mortgage, we don't just want to help you with the purchase, re-mortgage or further borrowing on your home, but we also want to make sure you keep it if things go wrong.
    Visual – Animation of a personal computer showing documents listing house prices, budget and different mortgages
    So, in preparation for your appointment, have a think about how you can budget not just for the mortgage repayments, but also for insurance cover to protect you and your home.
    Visual – Animated house arrives on screen with text ‘Protect you and your home’
    Todd: At the meeting, your adviser will chat with you about all the types of cover available and will then recommend the best options for you. Your adviser will talk to you about mortgage-related life insurance and life and critical illness covers with Legal & General, as well as buildings and contents cover with Aviva.
    John: First, mortgage-related life insurance is designed to help keep the roof over your family's heads in the case of your death. If you pass away during the period of cover, it could provide a lump sum of money to help repay the mortgage. This can help remove one of the largest financial commitments for your loved ones if you're not there anymore.
    Visual – Animated hospital pops up on screen with text ‘Critical illness’ below it. Then a stack of money appears, followed by a stethoscope, with the text ‘Specified illnesses’. This then changes to a family holding hands beside a house with the text ‘Financial relief’ below.
    Secondly, critical illness cover could provide a lump sum of money if you’re diagnosed with one of the specified illnesses during the policy term. Critical illness cover can take the financial pressure off you and your family in what would already be a very difficult situation.
    Todd: Finally, buildings insurance is a condition of taking out a mortgage. You don't have to choose Barclays Home Insurance, but you do need to arrange for cover to be in place by exchange of contracts. It means that the structure, permanent fixtures and fittings of your home - like the walls, roof and windows, are insured against things like fires or floods. Contents insurance, on the other hand, protects what you have inside your home like clothes, furniture and gadgets.
    John: If you have any of these policies already in place, please have the details of them with you so that your adviser can make a note of them. But don't worry if you haven't - that's not a problem! Our advisers could talk you through all of them. Once you've discussed all of this, the mortgage adviser will write up the reasons why they’re recommending a particular mortgage product, term and repayment type for you.
    They’ll then present you with the mortgage quote and any cover they’re recommending. If you’re happy with the quote - that's great!
    Visual – Animation of Barclays Homeowner app downloading on a tablet and then displaying the notes and contact details functions.
    Here's a quick tip: on the Barclays Homeowner app, you can use the 'Notes' function to add details next to the properties you're interested in buying. You can even add contact details for the solicitors or the estate agents if you have them.
    Todd: This will make it easier to share this information with us when the time comes.
    Tanzeela: If you’ve already found a property that you want to buy and had your offer accepted, you need to make sure you have the following details with you at your appointment. We'll need the full address, post code, type of property and the year it was built.
    John: Then, we'll need your solicitor's details as well as the details of the estate agents who are selling the property. This helps ensure you don't waste any time getting the process going.
    Visual – Animation of documents with text ‘Payment details’ appears, followed by first the lender and then the valuer waving. A magnifying glass is then hovered over a house followed by a thumbs up.
    Next, we'll ask for payment details for the valuation. This is when we, the lender, instruct a valuer to inspect the property and confirm that it meets our lending criteria.
    Michaela: Finally, we're at the last stop! But before finishing up, your adviser will need you to check that all of the details in the application are accurate.
    Todd: Then, we'll ask you to sign the mortgage declaration, which basically means you're happy to submit the application.
    Michaela: And we're off! Your mortgage application is underway!
    John: It might sound like a lot to take in, but our adviser is there to talk you through each step of the way. So, please take a moment and make sure that you're bringing all of the information you need with you.
    Visual – A list appears on screen recapping the information required

    • Proof of identity and proof of address
    • Details of credit cards, loans and hire purchase agreements
    • Proof of income, bank statements and employment details
    • Life, critical illness and buildings insurance documents if you have them and details of the property you want to buy if you’ve found one

    John: Now you're ready to go! See you at the appointment.
    What happens after your mortgage appointment
    Find out what happens after you apply for a mortgage, how to track your application and how we can help you manage your mortgage online afterwards.

     

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.

call us to arrange an’call us to arrange an’

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