Your lender will look at lots of factors before offering a mortgage. They’ll want to be sure you can pay back any money you borrow.
You’ll need to give a lender:
- proof of ID, such as a passport or driving licence
- personal bank details
- employment and income history
- details on any debts you have
- how much you spend on bills.
To use our first time buyer calculator, you’ll just need some basic personal information. This includes the household income and outgoings of those buying the house.
To use our other mortgage calculators, you’ll need some details of your current mortgage. Depending on the calculator, this can include how much the property is worth, how much you have left to pay and the length of the term.