Client Information

• Client Names
• Application Type
• Regulated / Non Regulated
• Mortgage Type
• Purpose of Loan
• Purchase Price / Estimated Value
• Loan Amount
• Term Required
• Repayment Type
• Deposit Amount
• Deposit Source

Section 1: Applicant Details

Section 2: Applicant Address Details

• Current Residential Address
• Town
• County
• Postcode
• Country
• Date moved in
• Current Residential status
• Previous Address (if less than 3 years)
• Previous Address 2
• Previous Address 3

Section 3: Current Employment Details

• Job Title / Occupation
• Employment Status
• Employers Name
• Employment address
• Town
• County
• Postcode
• Country
• Gross annual Income
• Bonus Amount
• Bonus Guaranteed
• Bonus Frequency
• Overtime Amount
• Overtime Guaranteed
• Overtime Frequency
• Allowance Amount
• Allowance Guaranteed
• Allowance Frequency
• Commence Date
• Employment Type
• Are you on probation?
• Probation Details
• Contact for References
• Email for References
• Phone number for references
• Is any income paid in foreign currency?
• If yes, please provide details
• Years Self Employed
• Company Type
• Percentage of Business owned
• Salary
• Dividends
• Turnover
• Net Profit Year 1
• Net Profit Year 2
• Net Profit Year 3
• Are Accounts Available?
• Accountant Name
• Accountant Qualification
• Other Income
• Income Source
• Income Start Date
• Contractor Income (Contract Start Date, Contract End Date, Time Contracting, Day Rate)
• Income Notes

Section 4: Current Mortgage Details

• Current Lender
• Property Value
• Account Number
• Outstanding Balance
• Monthly Payment
• Remaining Term
• Mortgage Type
• Repayment Type
• Current Interest Rate
• Interest Rate Type
• Mortgage Start Date
• Are there ERC’s?
• ERC Amount
• ERC End Date
• Is the mortgage portable?
• Is the mortgage being redeemed?

Section 5: Credit Commitments

• Commitment Type
• Lender / Creditor
• Remaining Term
• Current interest rate
• Is this court ordered
• Balance
• Monthly Payment
• To be repaid?

Section 6: Credit History Details

• Have you ever had any defaults in the last 6 years?
• Have you ever had any CCJ in the last 6 years?
• Have you any missed payments on commitments in the last 5 years?
• Have you had a property repossessed?
• Have you ever been Bankrupt?
• Have you ever entered into an IVA?
• Have you ever entered into an DMP?
• Have you ever taken out a payday loan?
• Notes about Adverse Credit

Section 7: Your Existing Property Portfolio

• Security Address
• Lender
• Account Number
• Current Value
• Outstanding Mortgage
• Rental income
• Monthly Payment
• Repayment Type
• Applicant
• ERC End Date
• Is this an HMO?
• To be repaid

Section 8: Mortgaged Property Details

• House Name or Number
• Street
• City
• County
• Postcode
• Country
• Tenure
• If Leasehold – years remaining
• Property Type
• Year Built
• House Type
• Storeys in building
• Flat Type
• Charge Type
• Bedrooms
• Floors in block
• Units in Block
• Floors of property
• Is there a lift?
• Construction Type
• New-Build?
• Ex-Local Authority
• Annexe?
• Is the property on the market?
• Is property near commercial premises?
• Will the property be owner occupied?
• Is the property rented out/to be rented out?
• Other occupiers over the age of 17
• Valuation type
• Contact for Access
• Contacts Name
• Daytime Telephone Number
• Mobile Telephone Number
• Notes, including direct debit details

Section 9: Assets & Liabilities

• Owner/s
• Type
• Description
• Company / Bank
• Value
• Last Valuation
• Is there outstanding debt?
• Being used for this application?

Section 10: Solicitor Details

• Solicitor Name
• Building Name or Number
• Street
• City
• County
• Postcode
• Country
• Phone Number
• Fax number
• DX Number
• No. of Partners in firm
• Contact Name
• Email Address

Section 11: Accountant Details

• Accountants Name
• Building Name or Number
• Street
• City
• County
• Postcode
• Country
• Phone Number
• Fax number
• Qualifications

Section 12: Budget Planner

• Household Income (Applicant 1 Net Monthly Income, Applicant 2 Net Monthly Income, Part Time Income, Jobseekers Allowance, Child Benefit, Tax Credits, Working Tax Credits, Maintenance Income, Pension Income, Other Benefits)
• Total Income
• Debt Repayments (Mortgage, Second Mortgage, Shared Ownership Rental, Priority Debt, Unsecured Borrowing, etc.)
• Living Costs (Electricity, Gas, Water, Landline/Mobile Phone, TV Licence, Council Tax, Ground Rent / Service Charge, etc.)
• Insurance Costs (Motor Insurance, Health Insurance, Payment Protection, Life Insurance, Buildings and Contents, etc.)
• Total Debt Repayments
• Total Living Costs
• Available Income

Section 15: Your Needs

• Do you Anticipate any changes to your income or expenditure in the next 5 years?
• How would it affect your household if your monthly payments increased significantly?
• What is your attitude to risk?
• Do you want the certainty of your mortgage being repaid at the end of the term?
• Would you prefer the lender fees to be paid upfront or add them to the loan?
• Do you understand you will pay interest on this sum over the full mortgage term?
• Are you consolidating other debts within this mortgage?
• Do you understand this could increase the overall amount you pay back in the long term?
• Do you understand the implications of securing previously unsecured debts against your property?
• Do you intend to make Early Repayments or Overpayments?
• Do you require a mortgage with No Early Repayment Charges?
• Would you prefer your monthly payments to remain stable for a period of time?
• Do you intend to move or sell the property in the foreseeable future?
• Please provide a reason for the term length requested
• Does the term requested take your mortgage past the state retirement age?
• Do you require a Lender who can process this mortgage as quickly as possible?
• Other Mortgage Requirements
• Have you made a will?
• Can we arrange for someone to contact you regarding creating a Will?
• Do you understand the potential for future interest changes?
• Are you looking to minimise your monthly payments? (Interest Only/Long Term Product)
• Do you have an ideal budget in mind for your monthly repayments?
• Are you likely to receive a lump sum enabling you to pay off capital at all?
• Are you planning on clearing the loan early?
• Do you want the ability to vary your repayments or take a repayment holiday?

Existing Provisions / Protection Policies

• Policy Type
• Provider
• Reference
• Sum Assured
• Premium
• Payment Type
• Person Assured
• Remaining Term
• Accidental Damage Covered?
• Personal Possessions Covered?
• In Trust?
• Guaranteed / Reviewable
• Waiver or Premium
• Policy Start Date
• Renewal Date
• Will this policy be cancelled?
• Reason for Policy Cancellation

Pensions

• Owner
• Provider Name
• Provider Account number
• Current fund value
• Contribution amount
• Part of estate on death?

Estate and Inheritance Planning

• Have you made a will?
• On what date was your will made?
• Is it up to date?
• Does it reflect your current wishes?
• What are the main provisions of your will?
• Have you appointed your Executors?
• Have you designated Guardians for your children (up to 18 yrs)?
• Do you have any Estate and Bloodline Planning, utilising Trusts, etc in place?
• Where is your Will stored?
• Are you expecting an inheritance of any kind?
• Have you inherited any assets in the last two years?
• Have you made Power of Attorney?

Standard Mini Health Check

• What is your current weight?
• What is your current height?
• Are you a smoker?
• GP Address & Details
• Do you have or have you had any health conditions past or present?
• If YES, please specify