Mortgage preparation
Everything here is about preparing, not applying
Start with the situation you are trying to understand now, use a broader buying-journey hub, or go straight to a preparation tool.
Common situations
Start with the question you have now
These guides go directly to common mortgage-preparation situations rather than asking you to navigate a broad topic hub first.
Changing jobs or on probation
What to organise when your employment has recently changed
Self-employed evidence
Understand common evidence and preparation questions
Previously declined
Regroup and prepare after a declined application
Using a gifted deposit
Understand the paperwork and questions that can arise
Late payments
Understand what to check and what to ask before a mortgage conversation
Broader journeys
Preparation hubs
Use these when you want a wider view of the stage you are at rather than an answer to one specific question.
First-time buyer preparation
An educational preparation hub for first-time buyers in the UK: what to gather, what to check and what to ask a qualified mortgage adviser before you apply.
Home mover preparation
Educational preparation for home movers: organising evidence, understanding equity and loan-to-value, and preparing questions before speaking to a qualified mortgage adviser.
Remortgage preparation
How to prepare before a fixed or tracker period ends: gathering documents, understanding loan-to-value and building a question list for a qualified mortgage adviser.
Self-employed applicant preparation
Educational preparation for sole traders, partners and company directors: which records are commonly requested, how to organise them and what to ask a qualified adviser.
After a declined application
A calm, educational guide to what to do after a mortgage application was declined: gathering information, checking your records and preparing questions for a qualified adviser.
Free tools
Work things out for yourself
Every tool shows its own arithmetic or reasoning. None of them assesses eligibility.
Read and check