MORTGAGES
Starting your mortgage application
Getting ready to apply
Follow the steps below before starting your mortgage application. Once you’ve got an AiP, you’ll be able to book an appointment online right away. Once you’ve booked an appointment with one of our mortgage advisers, you can check what documents you’ll need.
Step 1: How much could you borrow?
Use our borrowing calculator to get an idea of how much you could borrow based on your income and monthly spending.
Step 2: How much would it cost you?
You can use our repayment calculator to see our latest interest rates and see what your monthly mortgage payments might be.
Step 3: Get an Agreement in Principle
Take the first step in your mortgage application with an Agreement in Principle (AiP). You can do this online, and it won’t affect your credit score. It takes about 10 minutes and then you can book an appointment online with a mortgage adviser right away.
Getting ready for your mortgage appointment
Your mortgage adviser will call or email you before your appointment to make sure that you have everything you need. You’ll need to upload your supporting documents and electronically sign the disclosure documents before the appointment. We’ll send you an email that explains how to do that.
Are you applying with someone else?
We need everyone who’s applying for the mortgage to attend the appointment. You can make either a video or phone call appointment online with one of our mortgage advisers. We also offer branch appointments, call us on 0333 202 7580(1) to book.
What you’ll need for your mortgage appointment
Documents you’ll need to upload before the appointment:
- Proof of your income (see below)
- Existing mortgage protection
Information you’ll need during the appointment:
- The sort code and account number of the account you’d like to make your mortgage payments from
- The current balance on any credit agreements in your name, such as loans, credit cards, car finance, and overdrafts. If you plan to pay off any of these commitments, we might ask you to prove you have the money to do so
- Details of any life or critical illness policies you may have to protect your mortgage
- Details of any mortgages you have with other lenders, including buy-to-let or permission-to-let mortgages
- Details of the property you want to buy, including the building type, value, and full address. If it’s a leasehold property, we’ll also need to know the remaining term of the lease
- Your solicitor’s details, whether you’re buying a property or adding or removing someone from a mortgage
- Contact details for the person who’ll arrange access to the property for our surveyor – usually the estate agent or current owner
- If you’re applying for an interest-only mortgage, we’ll need details of how you plan to pay back the amount you borrowed when the mortgage term ends
Before your appointment, you’ll also need electronically sign some documents – your mortgage adviser will send you this information by email.
Documents you can use to prove your income
- Payslips from the last three months if you’re paid monthly
- Payslips from the last five weeks if you’re paid weekly
- If your salary isn’t paid into a Barclays account – the bank statement that shows the salary from your most recent payslip
- If you receive commission, monthly bonuses or overtime – your latest P60 form
- If you receive annual or quarterly bonuses – payslips that show each bonus.
- Your HMRC tax year overviews from the last two tax years. You can replace the most recent year with financial accounts produced by a qualified accountant
- Documents that show your tax calculations from the last two tax years. This can be printouts of your online submission from the HMRC website, calculations submitted to HMRC by a qualified accountant, or SA302 calculations provided by HMRC
- For limited companies, we need trading accounts for the most recent tax year. These must be produced by a qualified accountant and dated no more than 18 months before the date you send your mortgage application
Documents to prove income from benefits, maintenance, and pensions
If any of the people applying for the mortgage receives one of these incomes, we’ll need to see the supporting documents. If this income is paid into a Barclays account, you won’t need to upload bank statements for it.
Type of income |
Documents we need |
|---|---|
|
Benefit income, including Child Benefit |
We need one of the following documents:
|
|
Maintenance income |
We need one of the following documents:
|
|
Pension income |
Alternatively, we’ll need bank statements for the last three full months, and one of the following:
|
Documents you’ll need to apply for a buy-to-let mortgage
- For each rental property, we’ll need your last three months’ bank or building society statements showing payment of all rental income
- You need to give us your most recent monthly letting agent fee statement for each managed property. This needs to be from the last three months, and it needs to match the information on the corresponding bank statement you send us
- For all residential, buy-to-let or permission-to-let mortgages you have with other lenders, we’ll need your latest bank or building society statement, or annual mortgage statements, showing your monthly mortgage payments
Call us on
0333 202 7580
We’re here Monday to Friday from 7am to 8pm, Saturdays and Sundays from 7am to 5pm, and on bank holidays from 9am to 5pm. To maintain a quality service, we may monitor or record phone calls. Call charges(1).
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Important information
Mortgage adviser appointments are available when you are, Monday to Friday from 8am to 9pm, Saturdays from 8:30pm to 5pm and Sundays from 9am to 3:30pm, excluding bank holidays. If you call an 03 number, you’ll be charged your standard rate. To maintain a quality service, we may monitor or record phone calls. Call charges.(Return to reference)
You need to be 18 or over to access this product or service using the app. Terms and conditions apply.(Return to reference)