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What happens next?

Once you have chosen and applied for a mortgage, the lender will want some supporting documentation. The information your lender may require includes:

  • Evidence of your income and commitments, such as recent pay slips, a P60, your latest mortgage statement and your bank statements.
  • Information from credit reference agencies, your employers, other lenders and your landlord.
  • Proof of identity, such as a passport or birth certificate.

If you apply for your mortgage through Charcol, we will handle this documentation on your behalf and manage the process with the lender

Charcol is not authorised to offer investment advice.  We recommend you seek professional advice with regard to these topics if you believe they may affect you.

  • Choosing a property
  • Finding a property
  • Choosing a mortgage
  • What happens next?
  • Finding a solicitor
  • Making an offer
  • Gazumping
  • Scotland and gazumping
  • Conducting a survey
  • Exchanging contracts
  • Completing and moving in
  • Congratulations!

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT

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