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Are you currently :-
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Who is your current mortgage lender
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What is your current rate of interest
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% |
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Outstanding loan
Current Valuation
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£
£ |
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Rent / mortgage payment- inc MPP ?
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£ |
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What is your current mortgage type :-
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When does the current deal on your mortgage expire
(e.g. discount period etc.) ?
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What is your current repayment type :-
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Are there any redemption penalties
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If YES, when do these end
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Are you prepared to pay this
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Please give the amount of the redemption penalty
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£ |
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Existing Mortgage term
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Do you have any other secured lending
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If YES, please give details of your secured lending
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What term is remaining on your secured lending
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Do you own any other properties
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If so, please provide details
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If Buy to let give current/anticipated rental income ? |
£ |
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Property Address
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Standard Construction |
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Purchase Price/Valuation
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£ |
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Council Valuation- If right to buy
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£ |
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Amount of Deposit available
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£ |
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Source of Deposit
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Mortgage amount required
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£ |
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Loan to Value?
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% |
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Term required?
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Type of interest
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Do you want the ability to overpay |
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By how much?
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£
% |
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Are you likely to move house in the next 5 years |
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Are you concerned about the possibility of future interest rate rises |
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Are you prepares to see your mortgage rise and fall in line with interest rate rises
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Redemption period required
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Ability to add fees to the loan
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Repayment basis-Attitude to risk?
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If interest only provide details of how loan is to be paid
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Portability required?
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If yes provide reason
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Do you have cash deposit accounts you could use to reduce the amount you wish to borrow.
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If yes provide details
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Do you want to fix your mortgage costs for a certain period
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If yes for how long
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years |
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Do you require a mortgage that tracks the Bank of England rate
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If yes for how long
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years |
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Do you require a discount on your mortgage costs in the first few years
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If yes for how long
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years |
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Do you require an initial lump sum (repayable should you repay or move mortgage in the early years) to help with expenses
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No higher lending fee
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Speed of mortgage completion
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Ability to add fees to loan
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Ability to vary repayment
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Ability to make overpayment
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Ability to link mortgage to a savings or current account
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Free legal fees
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No valuation fee
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Valuation fees refunded
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No booking or arrangement fees
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Ability to make underpayments or take a repayment holiday
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Have you any specific requirements or any comments you would like us to record
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Type of commitment, monthly payment, balance outstanding to be cleared etc
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Type of commitment, monthly payment, balance outstanding to be cleared etc
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Adverse Credit?
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Adverse Credit?
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CCj's, Defaults, Mortgage Arrears, Rent Arrears, Bankruptcy, IVA, Missed payments, Housing Benefit.
Give details of any of the above
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CCj's, Defaults, Mortgage Arrears, Rent Arrears, Bankruptcy, IVA, Missed payments, Housing Benefit.
Give details of any of the above
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Self certification required
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Self certification required
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Provide reasons and confirm affordability
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Provide reasons and confirm affordability
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Other notes
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Other notes
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Do you want advice on Buildings & Contents
Insurance
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Claims in the last 5 years
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If Yes, provide Claim details
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Number of bedrooms
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Type of property
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Year built
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Life and Critical Illness
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Accident, sickness and unemployment
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Are you confident of household income / expenditure figures ?
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Total Household Income from all sources
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First Applicant
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£ |
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Second Applicant
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£ |
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Total household income
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£
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Personal Loans
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£ |
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Credit/Store Cards
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£ |
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Other e.g. second mortgage
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£ |
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Council Tax
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£ |
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Utilities Electric, Gas, Water etc
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£ |
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Insurances
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£ |
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Savings
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£ |
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Travel
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£ |
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Food
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£ |
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Clothing
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£ |
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Entertainment
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£ |
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Other e.g. Holidays, clubs etc
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£ |
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Total Household Expenditure (B)
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£ |
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A- Total Household Income
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£ |
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B- Total Household Expenditure
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£ |
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Disposable monthly Income A-B
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£ |
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Amount able to commit to mortgage payments
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£ |
