Documents for mortgage interview with lender

CarrieVS

I have an appointment tomorrow for a mortgage interview - with a lender, not a broker. They were to contact me today to confirm and tell me what documents I should bring, but they didn't. By the time I realised they weren't going to it was too late to ring the branch, but their call centre were able to confirm that the appointment is booked.

I'm at work tomorrow - fitting the appointment in during my lunch break - and I'll have no opportunity to go home and pick up additional documents if I hear from them, so I'm left to guess what paperwork they'll want.

I'm not going to be making an application (I'm obliged to approach this particular lender and will give their offering due consideration but I don't believe they'll give me the best deal) but asking for a decision in principle isn't out of the realms of possibility. This is the first discussion I've had with them aside from arranging the appointment.

I'm intending to take:

• 3 months payslips
• 3 months bank statements
• latest P60
• passport & driving license

Is there anything else I should take in case they want it? I'd rather take everything there's even a chance they might ask for.
Should I take evidence of the other accounts my deposit money is in, and/or my student loan balance? Credit card statements?
It's Santander, if anyone should happen to be aware of their specific requirements.

amnblog

You have pretty much got it covered.

Take proof of deposit if it is, for example, coming from savings.

kingstreet

CarrieVS wrote: »

I'm obliged to approach this particular lender and will give their offering due consideration

Ok. Someone has to.

Why are you obliged?

CarrieVS

kingstreet wrote: »

Why are you obliged?

I can blame MSE for it! It all began eight years ago...

I had a savings account whose interest rate had reduced and I searched this very site for the best deal to replace it. At the time, a very good rate was offered by Santander for a lump sum followed by regular savings, on an account titled First Home Saver.

One of the conditions of the account was that before I closed it I'd have to attend a mortgage interview, but clearly I could just go, listen to what they had to say, and say no thanks (unless I happened to like what they were offering.) I wasn't even intending at the time to keep the account until I was ready to buy a house, but I reckoned I could look interested long enough to tick the box.

As it happens, I am looking to buy now, and I shall give their offering due consideration, but I strongly suspect that the consideration due will be very brief.

CarrieVS

Well that was almost, but not quite, useless.

Chap (who to give credit where due was very pleasant and helpful) did clarify a couple of minor points for me but essentially I gave up my lunch break to have their public website read to me. And I definitely felt he was out to convince me that their products were a good deal for me, as opposed to ascertaining if they actually were.

I honestly have my doubts as to whether this qualifies as what I need to have done in order to close my savings account, but I also have my doubts as to whether anyone at Santander actually cares any more as they haven't offered these accounts for years and nobody seems to know very much about them.