Applicants name: Fact Find Date: The Mortgage Packager Limited 16-20 South Street Hythe Southampton SO45 6EB Telephone: 02380 018109 Fax: 02380 001136 info@tmp-mortgages.co.uk Regulated by the Financial Conduct Authority reference 300959 YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE
CHECKLIST The following items or actions are required at certain stages of your mortgage application On Enquiry Please complete the following fact find and send it to us by post or email. Prior to obtaining a lending decision Please send us a copy of your latest credit report(s). You can obtain this for FREE at www.noddle.co.uk Please send us your original last 3 payslips if employed, or last 3 years accounts (or SA302s) if self employed Please send us your original latest P60 Please send us your original Name Identification (driving licence/passport) Please send us your original Address Identification (council tax statement/utility bill etc) Please send us the original last 3 months Bank Statements for all current accounts held If this is a purchase or a buy to let purchase, please send us evidence of your deposit as follows: - If any of the deposit is being gifted to you please provide a letter from the person gifting you the money stating their full name and address, relationship to you, how much they are gifting, that the gift is non repayable and that they will have no interest in the property. This letter should be dated and addressed To Whom it May Concern. - If any of the deposit is from savings / investments please provide statements showing the funds in those accounts When sending original documents such as passports or driving licences, we recommend that you send via special delivery: The Mortgage Packager 16-20 South Street Hythe SO45 6EB Alternatively you can ask a solicitor to meet with you, see the original documents and email us certified copies, however the email containing the certified documentation must come from the Solicitor directly to us to avoid any delays. Please contact us on 02380 018109 with any queries.
Section 1. Applicants Title Forename(s) Surname Previous Name(s) used First Applicant Second Applicant (if Applicable) Date of Birth (dd/mm/yyyy) / / Age Now / / Age Now Nationality Do you have indefinite leave to remain in the UK? Yes No Yes No Marital Status Relationship to other applicant Married Single Separated Divorced Living with partner Married Single Separated Divorced Living with partner Dependants How Many Ages How Many Ages Will there be any other adult occupiers? Yes No Your current address Postcode Type of residency Contact Details Owner / Private tenant / Council tenant / Housing Assoc tenant / Living with friends or family Owner / Private tenant / Council tenant / Housing Assoc tenant / Living with friends or family Work Tel Home Tel Work Tel Home Tel Mobile Tel Mobile Tel Email Email Are you on the electoral roll at your present Yes No Yes No address? Length of time at current address? Years Months Years Months Previous Address if less than 3 years Please Provide dates moved in and dates moved out. And whether you were renting or an owner at such addresses. Please continue on the reverse if you need extra space What type of application is this? First Purchase Buy to let Purchase Next Purchase Buy to let Remortgage Remortgage Right to Buy First Purchase Buy to let Purchase Next Purchase Buy to let Remortgage Remortgage Right to Buy Section 2. Employment & Self-Employment Occupation Your expected retirement age? First Applicant Second Applicant (if Applicable) How long have you had this job? Years Months Years Months Employment Type Employer/Company Name Employer s Address Fulltime Part-Time Zero-Hours Contract Self-Employed Student Unemployed Fulltime Part-Time Zero-Hours Contract Self-Employed Student Unemployed Employer s Telephone Number Previous job (if in current job for less than 1 year. Provide Job Title, Dates & Employer). Please continue on the reverse if you need extra space Employed Income Basic Annual Income Guaranteed Overtime/bonus
Regular Overtime/bonus National Insurance Number Deductions from earnings (Other than Tax and NI please give details of amounts deducted from earnings, such as Pensions, Child Care, Student Loans, Union fees etc). Please continue on the reverse if you need extra space Details Details Details Details Details Details Self Employed Income Trading Style Sole Trader Ltd Company Partnership Sole Trader Ltd Company Partnership Number of years in business? Last Year s (Pre Tax) Net Profit Previous Years (Pre Tax) Net Profit Are Accounts Available? Yes No Yes No For how many years? Any other earnings? (State source) Accountants Name & Telephone Is Accountant Chartered Certified Other Chartered Certified Other Additional Income Working Family Tax Credit Child Benefit Disability Living Allowance Any other income (give details) Section 3. Financial Details Credit History Have you ever had any arrears, a loan or a mortgage refused, or a default or judgement registered against you. Please be honest & don t worry about completing this section as we can frequently overcome past difficulties. It will also help if an up to date copy of your credit report is sent to us. First Applicant Second Applicant (if Applicable) Mortgage Arrears Yes No Months Yes No Months A loan or mortgage refused Yes No Yes No Defaults registered against you Yes No How Many? Yes No Months CCJs Yes No How Many? Yes No Months Have you ever been declared bankrupt? Yes No Yes No Have you ever entered into an IVA? Yes No Yes No If you have answered yes to any of the above please give full details Commitments Current credit commitments. Credit cards, store cards, hire purchase, bank loans etc. Applicant 1, 2 or both? Lender Credit Type Account N o Balance Monthly Payment To be repaid on or before completion? Secured? Yes or No.
What is your current overdraft balance Child Care Costs Applicant 1 Applicant 1 Applicant 2 Applicant 2 Section 4. Affordability Monthly Income & Expenditure Summary Income (Gross = Full pay before tax. Net = Take home pay after tax & other deductions) 1 st Applicant s Gross Monthly Income 2 nd Applicant s Gross Monthly Income 1 st Applicant s Net Monthly Income 2 nd Applicant s Net Monthly Income 1 st Applicant s Other Monthly Income 2 nd Applicant s Other Monthly Income Total Monthly Income (both applicants) Household Bills (Please estimate any figures based on your NEW purchase or remortgage) Mortgage/Rent to continue Ground Rent/Service Charge Buildings & Contents Insurance Water Rates Electric/Gas/Fuel Telephone (fixed & Mobile) TV Licence & Subscriptions House Maintenance & Cleaning Council Tax Other Total Household Bills Combined Car & Travel Expenses Car Insurance Road Tax Repairs & Servicing Petrol &Travel (fares, parking, tolls) Total Car & Travel Expenses Other Regular Combined Outgoings Credit Card & Loan Repayments Maintenance Payments Life Assurance/Endowment Premiums Food & Living Expenses (Payments to) Savings Child Care & School Fees Clothing Subscriptions Pensions (not already detailed as being Entertainment/Spending deducted from your salary) Holidays Other Total Monthly Expenditure Residual after Monthly Expenditure Section 6. New Mortgage Details PURCHASE What is the expected Purchase Price? How much deposit do you have (if any)? Source of deposit (if any)? How much would you like to borrow? Over what term would you like your Mortgage?
REMORTGAGE What is the value of your property? How much is outstanding on your current mortgage When did you purchase your property Who is your current mortgage lender Do you have any secured loans Yes No If yes please provide amount and lender: How much would you like to borrow for the following: Debt Consolidation Double Glazing Kitchen Replacement Bathroom Replacement Other, please specify Over what term would you like your Mortgage? Section 7. Key Information about Mortgage Types What kind of rate would you ideally prefer? Fixed Variable Tracker Capped Unsure How would you cope if your mortgage payments increased significantly? Attitude To Risk Do you want the certainty of the mortgage being repaid at the end of the term? Yes (Cautious) No (Adventurous) Section 8. Data Protection & Marketing The information that you provide may be disclosed to a licensed credit reference agency. Which will retain a record of the search; it may be used by other lenders in assessing applications from you and other members of your household and for debt tracing and fraud prevention. We will treat all your personal information as private and confidential (even when you are no longer a customer) except where we are permitted by law or where the disclosure is made at your request or with your consent in relation to arranging your mortgage. The importance of regular reviews of your mortgage and associated business has been discussed with you, in order to do this we would need to contact you in the future. Yes: You agree for us to contact you by phone, letter or email to discuss your mortgage arrangements. No. You do not wish to be contacted in future. Other services required: From TMP: Have you considered Life Insurance, and can we provide a quote? Yes No Can we provide a quote for Buildings and Contents Insurance? Yes No Have you made a will and can we provide a quote for a will? Yes No From our carefully selected Partners: Can we help save you money on your utility bills? Yes No Do you wish to investigate any potential cases involving PPI Yes No Do you wish to investigate any potential cases involving Personal Injury Yes No Would you like to arrange a visit from a green deal provider in respect of a new boiler, cavity wall insulation or solar panels Yes No
DECLARATIONS DO NOT SIGN THIS DECLARATION UNLESS YOU ARE ENTIRELY SATISFIED. IF YOU HAVE ANY QUESTIONS OR ARE NOT SATISFIED WITH ANY ASPECT, ASK YOUR MORTGAGE ADVISER FOR ASSISTANCE BEFORE SIGNING THIS OR ANY OTHER MORTGAGE FORMS. Data Protection Statement - IMPORTANT PLEASE The personal information that we obtain from you throughout your application will be held by us and kept in a private and confidential manner. We will use the information to provide you with details of products suitable to your requirements. The information may also be passed onto a third party such as (but not limited to) a lender, insurer, your estate agent, sales agent, conveyancer/solicitor or other third party involved in your transaction to assist in the mortgage application process. By signing below you have provided us with authority to do this. The Financial Conduct Authority has introduced a number of regulations to protect the consumer. As part of this, firms will be prohibited from calling their clients where they do not have express permission to do so. In order to be able to offer an ongoing service to you regarding your finance arrangements, we would ask that you kindly provide us with your permission to contact you on a regular basis. We undertake to contact you a minimum of at least once every 6 months to make sure that you are, and remain satisfied with the product that we have recommended and to identify if there are any financial matters that you might wish to discuss. By signing the declaration below you are providing permission for The Mortgage Packager to contact you every six months by telephone to check that everything is satisfactory with your finances. You are able to cancel this arrangement at any time and we would ask you about this when we call. We charge no fee for this contact. I/We agree that the information contained in this Fact Find is true to the best of my/our knowledge. Fight against Fraud. In order to minimise the risk of fraud, I/we give The Mortgage Packager my/our authority to make any checks with any agency that may be deemed necessary in order to confirm the validity of any documentation provided by me/us. We are aware that this may include the DVLC and Passport Agency or any Credit Reference Agency. I/We understand that the relevant authorities will be advised should any documentation provided by me/us be of a fraudulent nature. Applicant 1 Name (print): Applicant 2 Name (print)(if applicable): Applicant 1 Signature (Please sign or print): Applicant 2 signature (Please sign or print): Date:... Date:... Please return to: The Mortgage Packager, 16-20 South Street, Hythe, SO45 6EB or by email to info@tmp-mortgages.co.uk COMMENTS: Please use this space to provide us with any additional comments.