A mortgage is likely to be the single largest financial commitment you ever make. There’s a wide range of mortgage products out there, with varying interest rates and repayment options available.
At Ensign we have an excellent reputation in the East Midlands and beyond for giving mortgage advice to both existing and new clients, all of whom have been recommended to us.
Whether you are moving house, re-mortgaging, looking to do home improvements or want to release some capital, get in touch we are here to advise you on which option is best for you.
Buying a newly built home? Visit our dedicated page for new build mortgage advice and information. We are recommended by many local and national new homes builders, some of our new build partners have been continuously referring clients to us for over 23 years.
Mortgage Document Checklist
To save time we recommend having these documents to hand for each applicant
- Passport and/or driving license
- Latest 3 months payslips (PAYE)
- Latest P60 (PAYE)
- Latest 2 years SA302 (See below)
- Latest 3 months bank statement (showing income and bills)
- Latest mortgage statement (home movers)
- Proof of deposit/Gifted deposit letter
Other documents may be needed but all forms will be filled in for you!
How to obtain your SA302
The SA302 is a brief summary of the income that has been reported to HMRC. It is effectively a certificate that documents exactly how much income you have declared. Therefore form SA302 is an easy way for a lender to verify that the income on a mortgage application is the same as you have shown to HMRC. Get your SA302 tax calculation – GOV.UK
NEW BUILD MORTGAGE ADVICE
I will be recommending your services to friends and family. Ryan & Jess