• Please e-mail us at Info@Mind2MindMortgages.co.uk with a brief outline of why you are looking to arrange a mortgage.
• Please include all documents as listed below on (for Product Transfers/Rate Switches we only require proof of ID and existing mortgage account details)
• We will respond within 48 hours
• We will then make contact to arrange a phone call to discuss your situation and take any additional information we need to find you a suitable mortgage.
• We will present our recommendations to you.
• If you are happy to proceed then our Initial £100 is payable and we will obtain the decision in principle (we do not charge a fee for Product Transfers/Rate switches)

Please ensure the following documents are in a pdf format and clearly labelled with the appropriate heading from below.

Passport – please ensure you send both pages (photo and signature) and the edge of your passport can be seen.

Photo Driving Licence – please ensure the address is registered to the address you live at.

Bank Statements – 3 months personal bank statements showing all sources of income being received and all day-to-day transactions.

Payslips (employed) – last 3 months payslips. If you receive an annual bonus, please forward payslip showing last two years. If quarterly the last 4 months showing all bonus payments.

Self Employed – latest 2 years Tax Calculations and corresponding Tax Year Overviews. Available from your accountant or straight form HMRC via www.gov.uk/sa302-tax-calculation

Deposit – last 3 months bank statement showing build up of deposit funds. If not from savings please confirm where all sources of deposit are comping from.

Credit Report – please obtain a copy from https://www.checkmyfile.partners/CQRTHN5/2CTPL/ which is free for 30 days

Proof of Benefits – latest awards letter for any benefits received.

Latest Annual Mortgage Statement– if you have an existing mortgage for your main residence only.

There are 3 main credit agencies used by lenders when assessing mortgage applications:

Experian

Equifax

Transunion

User this link to access  FREE for 30 days, then £14.99 a month - cancel online any time, it scans across all 3 of the above agencies https://www.checkmyfile.partners/CQRTHN5/2CTPL/

Your full credit report is required, rather than just your credit score, as it contains all the information that will be visible to lenders

Being on the electoral roll gives lenders the information they need to confirm your name and address, and this could help to increase your credit score. For a good credit rating, you’ll also need to show you’re a reliable borrower who consistently pays on time and doesn’t have debt problems