mortgage checks

danr6

hi just looking for some advise does anyone on here no what kind of checks
a mortgage company does before you get accepted ie : credit check etc ??????????????????????????????????? _pale_

silvercar

Electoral register, recent utility bill, driving licence or passport, recent bank statement, P60 or self assessment, recent payslips, previous mortgage statement (if applicable), details of personnel department (or accountant). And they'll run a credit check.

danr6

silvercar wrote:

Electoral register, recent utility bill, driving licence or passport, recent bank statement, P60 or self assessment, recent payslips, previous mortgage statement (if applicable), details of personnel department (or accountant). And they'll run a credit check.

thanks are you sure thats all do they not do a background check as i recently changed my surname ??????????????/

suki1964

They just need to know you are you, in my case a different name then on my passport meant I had to take in my marraige certificate

herbiesjp

Most application forms will ask if you have changed your name - so you would have to dislcose this fact.

odannyboy

I,m looking to apply for a mortgage and the end of the year with my partner and I,m lucky enough to have a deposit that nearly covers half the price of the house we are after.

I'm also starting a new job this june but unfortunately I have been unable to work over the past four years and I am worried this will have an effect on our mortgage application ????. All the other items on the checklist above are fine, and when we make the application I will have been in employment for 5 to 6 months.

Can anyone tell me if I will have problems getting a mortgage ???

Stonk

It depends very much on the lender. They'll all have their own rules and flexibilities.

When I got my mortgage with Nationwide, they were going to insist on 6 months' employment with current employer. This is/was fairly standard.

As it turned out, they did not, supposely because I was putting down a large deposit. I dunno what one thing has to do with the other, but there you go ...