Here to help

To complete a mortgage application you will need:

• Most recent P60;
• Latest two months, salary fed bank statements;
• Latest two months pay slips;
• Last two years’ SA302s or limited company accounts (if self-employed) along with last two tax year overviews;
• Accountants details (if self-employed);
• Acceptable proof of address and personal identification;
• Home improvement quotations (if applying for additional borrowing or remortgaging with additional borrowing included);
• Coal Authority Report (for properties with a coal mine);
• Offer notice (if you are purchasing under the Right to Buy scheme);
• Employers contact details;
• Proof of deposit;
• Rent statement and landlords contact details (if renting);
• Solicitors contact details;
• Estate agents contact details; and
• Tenancy Agreements for any buy to let properties you have.

If you are self-employed, we will need proof of trading for a minimum of two years and you must be able to provide proof of income over the same period.

We will consider long term sub-contractors on an employed basis as long as you can prove:

• you have been contracted for a minimum six months with your current contractor and two years continuous employment history within a similar industry;
• a consistent level of income each month;

We will also require your 'employer' to confirm your start date, your monthly earnings and that your services on a 'sub-contracting' basis will continue for the foreseeable future, so no fixed end date.

A standard valuation report is used to calculate how much we will lend you. This is separate from any valuation or survey of the property you might want to commission for your own use. There are other homebuyers or structural survey options available to you at additional cost.

Some of our mortgages offer free valuations and the product pages will tell you if this is the case. Our mortgage valuation charges page will provide details of the costs incurred for both a standard valuation and the more detailed homebuyers report.

One of our Mortgage Advisers will assess your affordability during your appointment, however you can use our online affordability calculator to get an idea of what you may be able to borrow. To book an appointment please call us on 0121 557 2551, visit one of our branches or complete our contact us form.

If you are experiencing difficulties in keeping up with your monthly repayments you should contact us as soon as possible so that we can ensure you get the right help and advice. You can contact us by completing our contact form, or calling our specialist team on 0121 521 4089.

Interest starts accruing on your mortgage from the day your mortgage completes. As we do not collect a payment during the month that your mortgage completes, your first monthly repayment will include this accrued interest and is therefore higher than your normal monthly repayments.