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Owner Occupier mortgage eligibility form

Find out how much you might be eligible to borrow with our mortgage eligibility form.

The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

This mortgage eligibility form has been designed to help us provide you with an estimation of how much you might be eligible to borrow. An estimation does not reserve funds for any specific product.

A response will be emailed back to you, normally within one business day and is valid for the following 14 days.

Please give details in the 'Additional Information' section of any other loans which will not be repaid on completion of the new mortgage (e.g. credit card balances and unsecured loans). Where applicable, please include the type of loan, amount outstanding, monthly payments and term.

For loans between 75% and 80% of the purchase price or property value, whichever is the lower, evidence of previous repayment history, mortgage or rental, must be available (minimum 12 months).

Please note that the property to be mortgaged must be located in England or Wales.

If you have any queries, please call our New Business Team on 03330 140140 .

If you are interested in our Family Mortgage we have a Family Mortgage enquiry form which you can complete to help us understand your requirements, or you can use our Family Mortgage monthly repayment calculator to find out how much your monthly repayments will be.

* Indicates required information

How many applicants are there?*

Applicant 1

Title*

Surname*

Forename*

Contact Telephone Number*

Email Address*

Age*

Gross annual income (£)*

Annual guaranteed overtime/bonus (£)*

Annual non-guaranteed overtime/bonus/commission (£)

Any self-employed net profit, before tax, during the past 3 years (£):

Year 1

Year 2

Year 3 (latest)

If you are aged 65 years or over, or will reach 65 years old during the term of the mortgage, please provide details of retirement / pension income.

Retirement Income

Number of resident adults*

Number of dependents*

Annual Council Tax (£)*

Outstanding committed monthly costs*

This should include any monthly loan repayments, hire purchase agreements, life insurance or other committed monthly costs such as school fees or child maintenance. If you have an overdraft that will remain after completion please include the average monthly cost in the additional information section. You do not need to include your monthly household bills, money budgeted for food shopping, your current rent or mortgage payments, or other day-to-day living costs in here. Outstanding credit card balance(s)

Have you ever:

had a Court Order registered against you or any such proceedings pending ?*

made arrangements with creditors or been made bankrupt or any such proceedings pending ?*

had a mortgage application on a property refused ?*

been in excess of two monthly payments, in arrears with any credit or mortgage agreements or had a mortgaged property repossessed ?*

If your answer was 'Yes' to any of the last four questions please provide details:

Applicant 2

Title*

Surname*

Forename*

Age*

Gross annual income (£)*

Annual guaranteed overtime/bonus (£)*

Annual non-guaranteed overtime/bonus/commission (£)

Any self-employed net profit, before tax, during the past 3 years (£)

Year 1

Year 2

Year 3 (latest)

If you are aged 65 years or over, or will reach 65 years old during the term of the mortgage, please provide details of retirement / pension income.

Retirement Income

Other Monthly Commitments that will continue when this new mortgage starts (e.g. credit cards, loans, other mortgage repayments, child maintenance)

Have you ever:

had a Court Order registered against you or any such proceedings pending ?*

made arrangements with creditors or been made bankrupt or any such proceedings pending ?*

had a mortgage application on a property refused ?*

been in excess of two monthly payments, in arrears with any credit or mortgage agreements or had a mortgaged property repossessed ?*

If your answer was 'Yes' to any of the last four questions please provide details:

Will all borrowers occupy the property? *

Yes

If no, the case will be assessed under our JBSP criteria and will be referred to our Underwriting team before an application can be submitted.

Please provide the following details in the additional information section at the bottom of this form:

The name of the occupying borrower(s) of the property
The relationship between the occupying borrower(s) and non-occupying borrower(s)
Does the non-occupying borrower(s) have a mortgage elsewhere, and if so, what is the value outstanding?
The expected future income of the occupying borrower(s)

Mortgage details

Is the property located in England/Wales?* If the answer is NO we cannot proceed

Please select the Mortgage Type*

Property Type/Construction*

Mortgage Product

Loan Amount*

Existing mortgage loan amount (if applicable)

Loan Term*

Purchase Price/Property Value (minimum £120,000)*

Repayment

Interest-Only

If 'Interest-Only', please state the repayment vehicle/strategy, or we cannot consider.

Additional information

Please add any additional information here.

We use and retain details about you to respond to your enquiries, for research or analysis, and to check for mortgage eligibility. To find out more, you can read our privacy policy.