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.

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