Get your options

Hello! We need to know a few things about you in order to find you the most suitable mortgage.

It’s nice and easy, no complicated jargon and will take no longer than a few minutes. Your information will not be shared and is secure. There are no credit checks involved. If you need any help or wish to talk with a member of staff, please use the number below...

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What's your full name? i

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Please provide your mobile number i

Select country code and enter mobile number

Mobile Number already exists, please login.

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What's your email address? i

You'll be able to access your report at any time with your email.

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OK great, now let’s understand what you’re looking to do.

This should take about a minute.

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What would you like us to help you with? i

Buy to let properties can be a bit more complex than usual. Schedule a conversation with one of our Experts who can discuss your requirements in more detail.

Are you applying by yourself or with someone else? i

What is their gender? i

What is #his/her# name? i

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How old are you? i

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How old is #name#? i

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Will #name# own any other properties after this mortgage starts? i

Will you own any other properties after this mortgage starts? i

After this mortgage starts, will you have any other residential mortgages in place? i

Do not include BTL mortgages

After this mortgage starts, will #name# have any other residential mortgages in place? i

Do not include BTL mortgages

Second residential properties can be a bit more complex to arrange (due to extra running costs). Why you don't arrange a call with us to look into affordability a bit further and look at alternative mortgage structures such as interest only?

Have you found a property yet? i

On a Help to Buy application we need to know the property price to work out the loan amount and income required. You can either scroll up back to the previous question and say you have a property in mind and put in your expectations for the price and type of property you want to buy or, alternatively you can call us.

Property details play a big part in lending criteria. We'll skip the property questions for now but please check your Mortgage Report again when you have found a property. i

What's the expected purchase price? i

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Do you own the property you live in at the moment? i

Have you owned a property before? i

Have either you or #name# owned a property before? i

How much do you have to put towards a deposit? i

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Where is the deposit coming from? i

If the deposit is coming from the sale of a house, please choose Savings

We have assumed you will provide a self-saved 5% deposit and you will use the maximum 20% equity loan from the Government/Help to Buy.

If your figures differ from this it’s worth you speaking to our advisers, especially as Help to Buy is more complex than a standard mortgage and there are certain things you need to understand.

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Who is gifting you the deposit? i

Is the equity in the home being gifted from immediate family? i

When will the initial rate period of your current mortgage deal end? i

The initial deal rate is the 5 year fixed/2 year tracker etc that was offered at the start - the SVR is what your lender moves you on to once this initial period finishes

Have you owned your property for less than 6 months? i

What is the estimated value of your property? i

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How much do you owe on your mortgage? i

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How much are your monthly payments? i

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Do you want to borrow more on top of your existing mortgage? i

How much more would you like to borrow? i

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What will the extra money be used for? i

Excellent! Now let’s get an idea about the kind of property you’re looking to remortgage.

This shouldn’t take long.

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Is there a ground rent or service charge? i

What would be the monthly ground rent? i

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What would be the monthly service charge? i

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Is the property a: i

Is the house a: i

A house is usually freehold while a flat or maisonette is often leasehold or share of freehold

Is the flat a: i

A flat or maisonette is often leasehold or share of freehold while a house is usually freehold

Is it above or immediately next to business premises? i

Ok, what type of business premises? i

Is it a studio flat? i

Is it ex local council? i

Do any of the following apply to your property? i

Is the property of standard construction? i

This should have come up when you first mortgaged the property but if you're unsure, select No if you think it's an unusual construction type

Do any of these apply? i

Where is the property? i

Excellent! Now let’s get an idea about the kind of property you’re looking to get a mortgage for.

This shouldn’t take long.

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Is there a ground rent or service charge? i

What would be the monthly ground rent? i

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What would be the monthly service charge? i

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Is the property a: i

Is this property a new build or newly refurbished? i

Is the house a: i

A house is usually freehold while a flat or maisonette is often leasehold or share of freehold

Is the flat a: i

A flat or maisonette is often leasehold or share of freehold while a house is usually freehold

Is it above or immediately next to business premises? i

Ok, what type of business premises? i

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Is it a studio flat? i

Is it ex local council? i

Do any of the following apply to the property? i

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Is the property of standard construction? i

If you're unsure, ask the estate agent or select No if the property seems of unusual construction to you

Do any of these construction types apply? i

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Where is the property? i

Sound’s good! Please tell us a little about your job role.

We’re almost there…

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What's your employment status? i

How long have you been in your current role? i

What is your basic annual salary before tax? i

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Have you received extra income from overtime, bonus or commission within the last 12 months? i

How much did you receive from overtime in the last 12 months? i

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What was the total amount of bonus payments you’ve received in the last 12 months? i

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How much did you receive from commission in the last 12 months? i

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Ok, are you a sole trader or a limited company director? i

How many year's accounts do you have? i

What was your net profit for the latest financial year? i

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What was your net profit for the year before that? i

What was the net profit for the second year?

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What was your director's salary for the latest financial year? i

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What were your company dividends for the latest financial year? i

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What were your operating profits before tax for the latest financial year? i

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What was your director's salary for the second latest financial year? i

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What were your company dividends for the second latest financial year? i

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What were your operating profits before tax for the second latest financial year? i

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Unfortunately you won't be able to get a mortgage yet as you cannot show a track record of income for affordability. Please use us again when you have 1 year's trading history

Are you working as an IT contractor? i

Which best describes your contracting status? i

How long have you been contracting on a fixed term? i

Unfortunately you won't be able to get a mortgage as you cannot show a track record of income for affordability. Please use us again when you have started employment

How long have you been contracting on a day rate? i

Your employment details mean that we need a bit more information from you to filter relevant options. Schedule a conversation with one of our Experts who can discuss your requirements in more detail.

How long have you been contracting on zero hours? i

Your employment details mean that we need a bit more information from you to filter relevant options. Schedule a conversation with one of our Experts who can discuss your requirements in more detail.

Right, let's work out the figures.

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What is your day rate before tax? i

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How many days do you work per week? i

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On average, how many weeks do you work per year? i

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How much will you be earning over the next 12 months? i

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How many months have you been contracting for? i

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Unfortunately you won't be able to get a mortgage yet as you cannot show a track record of income for affordability. Please use us again when you have 1 year's trading history

Which of these best fit #name#'s employment status? i

How long has #name# been in #his/her# current role? i

What is #his/her# basic annual salary before tax? i

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Has #name# received extra income from overtime, bonus or commission within the last 12 months? i

How much has #name# received from overtime in the last 12 months? i

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What was the total amount of bonus payments #name# received in the last 12 months? i

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Has any commission been paid to #name# in the last 12 months? i

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Is #name# a sole trader or a limited company director? i

How many years of accounts does #he/she# have? i

What was #name#'s net profit for the latest financial year? i

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What was #name#'s net profit for the year before that? i

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What was #name#'s director's salary for the latest financial year? i

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What was #his/her# company dividends for the latest financial year? i

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What was #his/her# operating profits before tax for the latest financial year? i

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What was #name#'s director's salary for the second latest financial year? i

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What was #his/her# company dividends for the second latest financial year? i

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What was #his/her# operating profits before tax for the second latest financial year? i

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Unfortunately you won't be able to get a mortgage yet as you cannot show a track record of income for affordability. Please use us again when you have 1 year's trading history

Is #name# working as an IT contractor? i

Which best describes #name#'s contracting status? i

How long has #he/she# been contracting on a fixed term? i

Unfortunately you won't be able to get a mortgage as you cannot show a track record of income for affordability. Please use us again when you have started employment

How long has #he/she# been contracting on a day rate? i

Unfortunately you won't be able to get a mortgage as you cannot show a track record of income for affordability. Please use us again when you have started employment

How long has #he/she# been contracting on zero hours? i

Unfortunately you won't be able to get a mortgage as you cannot show a track record of income for affordability. Please use us again when you have started employment

Lets work out the value of the contract.

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Day Rate? i

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Days worked per week? i

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Weeks worked per year? i

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How much will #name# be earning over the next 12 months? i

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How many months has #he/she# been contracting for? i

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Unfortunately you won't be able to get a mortgage yet as you cannot show a track record of income for affordability. Please use us again when you have 1 year's trading history

Is #name# unemployed? i

Unfortunately you won't be able to get a mortgage yet as you cannot show a track record of income for affordability. Please use us again when you have 1 year's trading history

Thanks for that! And now we need to know about your residential details.

This should take about 30 seconds.

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Are you a UK citizen? i

Which of the following residential status applies to you? i

How long have you lived in the UK? i

Is #name# a UK citizen? i

Which of the following residential status applies to #name#? i

How long has #he/she# lived in the UK? i

Let’s take a look at your spending.

This should take about a minute.

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Have you ever had a payday loan? i

How recently did you repay the payday loan? i

Has #name# ever had a payday loan? i

How recently did #he/she# repay the payday loan? i

Do you have any dependants? i

How many dependants do you have? i

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What are the monthly costs for dependants living with you? e.g. childcare, nursery, school fees or elderly care costs i

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If any dependants aren't living with you, what are the child support or maintenance costs? i

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Do you have any credit agreements which need to be repaid? i

Such as student or unsecured loans, credit cards or hire purchase agreements

Are you paying off a student loan? i

How much do you repay for the student loans each month? i

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Do you have any credit cards? i

How many credit cards do you have? i

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What is the current outstanding balance for all credit cards? i

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What will the balance on these credit cards be after the mortgage starts? i

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Do you have any other unsecured loans? (e.g. personal loans) i

How many unsecured loans do you have? i

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What is the total balance of all unsecured loans? (excluding credit cards and loans secured against an asset) i

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What are the total current monthly payments on all unsecured loans? i

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What will the total monthly payments be on these unsecured loans after the mortgage starts? i

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Do you have any hire purchase / PCP loans? (e.g. car finance) i

How many hire purchase or PCP loans do you have? i

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What is the total balance of all your hire purchase / PCP loans? i

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What are the total current monthly payments on all hire purchase / PCP loans? i

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How much will you pay each month on these hire purchase / PCP loans be after the mortgage starts?? i

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Have you used your overdraft in the last 3 months? i

What is the current balance on your overdraft? i

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What will your overdraft balance be after the mortgage starts? i

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Does #name# have any dependents? i

Please don't count any dependants that you have already told us about earlier

How many dependants does #he/she# have? i

Please don't count any dependants that you have already told us about earlier

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What are the monthly costs for #name#'s dependants? e.g. childcare, nursery, school fees or elderly care costs i

Please don't count any dependant costs that you have already told us about earlier

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If any dependants aren't living with #name#, what are the child support or maintenance costs? i

Please don't count any dependant costs that you have already told us about earlier

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Does #name# have any credit agreements which need to be repaid? i

Such as student or unsecured loans, credit cards or hire purchase agreements

Is #name# paying off a student loan? i

How much does #he/she# repay for the student loans each month? i

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Does #he/she# have any credit cards? i

How many credit cards does #he/she# have? i

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What is the current outstanding balance for all credit cards? i

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What will the balance on these credit cards be after the mortgage starts? i

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Does #he/she# have any other unsecured loans? (e.g. personal loans) i

How many other unsecured loans does #he/she# have? i

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What is the total balance of all #name#'s unsecured loans? (excluding credit cards and loans secured against an asset) i

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What are the total current monthly payments on all unsecured loans? i

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What will the total monthly payments be on these unsecured loans be after the mortgage starts? i

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Does #name# have any hire purchase or PCP loans? (e.g. car finance) i

How many hire purchase or PCP loans does #name# have? i

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What is the total balance of all their hire purchase or PCP loans? i

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What are the total current monthly payments on all hire purchase / PCP loans? i

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What will be the total monthly payments of these hire purchase or PCP loans after the mortgage starts? i

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Has #name# used #his/her# overdraft in the last three months? i

What is #name#'s outstanding overdraft balance? i

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After the mortgage starts, what will #his/her# overdraft balance be? i

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We need to know a little more detail from you, so please can you tell us about your credit history.

This should take about 30 seconds.

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Have you had any problems with your credit history? i

Have both of you had problems with adverse credit? i

If both of you have credit issues then this case is too complex for this report. As this case will depend on soft facts, please contact our broker team.

What do the credit issues relate to? i

Has #name# had any problems with #his/her# credit history? i

What do the credit issues relate to? i

How many CCJs have you had? i

How many CCJs have they had? i

How much were the total CCJs worth? i

When was the latest CCJ registered? i

Have the CCJs been satisfied? i

When was the latest CCJ satisfied? i

Tell us about the bankruptcy i

How many defaults have they had? i

How many defaults have you had? i

When was the latest default registered? i

How much were the total defaults worth? i

Have the defaults been satisfied? i

When was the latest default satisfied? i

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