Illustrative scenario 01First questions about getting mortgage ready
A client seeking professional support is exploring getting mortgage ready and wants to understand the useful first questions before choosing a route. Completed fact find and passport or accepted identity evidence help turn the initial outline into an accurate brief.
Useful information for the conversation
- Completed fact find
- Passport or accepted identity evidence
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
Illustrative scenario 02Planning getting mortgage ready around a real deadline
A client seeking professional support needs support with getting mortgage ready within a defined timetable. Latest three months bank statements for all relevant accounts and the matters outside Jack’s control need to be separated before work begins.
Useful information for the conversation
- Passport or accepted identity evidence
- Latest three months bank statements for all relevant accounts
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
Illustrative scenario 03When the getting mortgage ready brief changes
An important detail connected with latest three payslips if employed changes after the first getting mortgage ready discussion. The next step should use the updated facts rather than relying on the original outline.
Useful information for the conversation
- Latest three months bank statements for all relevant accounts
- Latest three payslips if employed
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
Illustrative scenario 04Evidence focus: Build one accurate, current starting pack
A client seeking professional support wants to discuss getting mortgage ready. Two points need attention: completed fact find; passport or accepted identity evidence. The starting point normally includes the completed fact find, identity evidence, recent statements for every relevant account, income evidence, the property and estate-agent details, and the chosen solicitor. The evidence and the decision need to be considered together rather than in isolation.
Useful information for the conversation
- Latest three payslips if employed
- Latest two years tax calculations and tax-year overviews if self-employed
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
Illustrative scenario 05Decision point: Latest three months bank statements for all relevant accounts
A client seeking professional support has started a conversation about getting mortgage ready, but the brief has changed. The review revisits two points: latest three months bank statements for all relevant accounts; latest three payslips if employed. The next step is agreed using the updated facts, with any unresolved questions recorded.
Useful information for the conversation
- Latest two years tax calculations and tax-year overviews if self-employed
- Property, estate-agent and leasehold details
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
The wider assessment
Build one accurate, current starting pack
The starting point normally includes the completed fact find, identity evidence, recent statements for every relevant account, income evidence, the property and estate-agent details, and the chosen solicitor. Self-employed applicants usually need tax calculations and tax-year overviews as well as accounts where requested. Leasehold buyers should identify the remaining lease term, ground rent and service charge.
Do not send passports, account numbers or complete financial documents through an unagreed channel. Requirements vary by lender and case; this checklist is a preparation guide, not an approval list.