Information We Will Request as Part of the Process

As part of the mortgage capacity report process, we will require the following information:

Personal Information

• Full name
• Date of birth
• Three-year address history
• Marital status
• Nationality and place of birth
• Mobile number and email address

Solicitor and Court Details

• Contact details for your solicitor
• Court date and proposed settlement date

Family Information

• Dependants’ dates of birth and ages

Employment Details

• Employer’s name
• Job title
• Time with employer
• Additional incomes, such as benefit income or child maintenance payments
• Planned retirement age

Household and Living Costs

We will ask for details on the following monthly expenditures:

• Building and contents insurance
• Council tax
• Utilities
• Household goods and services
• Food and non-alcoholic drinks
• Alcoholic drinks and tobacco
• Clothing and footwear
• Health
• Transport
• Communication
• Recreation and culture
• Education
• Maintenance
• Childcare costs, including nursery or school fees

Credit File Information

With your consent, we will access your credit file through a soft Experian credit check. Alternatively, you can provide your latest monthly credit report.

We will assess the following:

• Credit cards
• Personal loans
• Defaults, County Court Judgements (CCJs), missed payments, and bankruptcies

Income Documentation

For your mortgage capacity report, we will need specific income documents:

• Employed applicants: Latest three months’ payslips
• Self-employed applicants: Latest two years’ SA302s and Tax Year Overviews

Once we have all this information, we will begin drafting your mortgage capacity report.