Frequently Asked Questions

1. I’m looking at getting a mortgage agreed in principle - what will you need to know?
2. I don’t live local to you - can I arrange a mortgage by post?
3. What information will I need to complete a mortgage application?
4. How much can I borrow?
5. Can you still help me if I have had problems in the past with Debts or CCJ’s?
6. Do you carry out home visits at all?
7. Does Mortgage Base have access to all the major UK lenders and their products?
8. Can Mortgage Base cater for all types of residential mortgages?
9. Can you help me in other areas connected with buying a home or arranging a mortgage?
10. Will I be kept up to date with my mortgage application as it progresses?

Q1. I’m looking at getting a mortgage agreed in principle – what will you need to know?
A. We will need to have your full name, date of birth, last 3 years addresses, current residential status, salary and any loans/HP that you are still paying before we can search. Should you want us to carry out one - you can contact us.

Q2. I don’t live local to you - can I arrange the mortgage by post?
A. Not a problem, we have the systems in place to make sure that we are able to give full advice for your mortgage and arrange it remotely by post. Generally we carry out a mortgage 'fact find' over the telephone to establish your circumstances and then we are in a position to offer you advice. We can then forward quotations to you by email or post and forward the relevant paperwork to you to complete and return by freepost. The process is very straightforward and is carried out to the same high service standards that we expect of face to face meetings.

Q3. What information will I need to complete a mortgage application?
A. This varies from lender to lender but generally the mortgage application process is much easier if you have the following items to hand before you start

• Last 3 months payslips and P60 (employed)
• Last 2-3 years accounts (if self employed)
• Details of any credit commitments outstanding e.g. Loans/HP/credit cards
• Bank details
• Current Driving licence or passport
• Current proof of address such as utility bill or bank statement

Q4. How much can I borrow?
A. The maximum is well over £1 million – however the amount that you can have is dependent on your income and credit history. Follow this link to find out more.

Q5. Can you still help me if I have had problems in the past with debts or CCJs?
A. We treat all cases sympathetically and have mortgage schemes available that allow for high levels of bad credit or problems. The first thing we recommend is don’t panic ! The chances are that there is a way that we can help you. Have a look at our help page regarding adverse credit.

Q6. Do you carry out home visits at all?
A. Yes we do. If you prefer we can come and talk to you about your mortgage requirements. We will bring a laptop computer so that we can source the mortgages for you in the comfort of your own home and work out the costs for you.

Q7. Does Mortgage Base have access to all the major UK lenders and their mortgage products?
A. Yes - by using the latest computer sourcing packages, which are updated on a daily basis Mortgage Base can give you the information you need on the best current UK mortgages deals.

Q8. Can Mortgage Base cater for all types of residential mortgages?
A. Quite simply – yes. We will provide full help and support on any type of mortgage whatever your circumstances. Whether you are a first time buyer or going through separation and need help with borrowing - we like to think that we can help you. By the same token we will be realistic and tell you if it is unlikely that you will be able to get a mortgage and suggest a positive course of action for the future to improve your situation.

Q9. Can you help me in other areas connected with buying a home or arranging a mortgage?
A. We certainly can. We will recommend local reputable solicitors to help you with the legal side of your purchase. In addition to providing the mortgage we will talk you through protecting your mortgage in the event of death, critical illness, sickness and unemployment so that you can be sure that your largest investment is protected. In addition we can quote you for competitive house and contents insurance and also offer to liaise with solicitors and estate agents to ensure that your purchase runs smoothly.

Q10. Will I be kept up to date with my mortgage application as it progresses?
A. Unlike some mortgage companies who sub contract their mortgage administration we will handle your mortgage case efficiently and speedily to ensure that it is offered as quickly as possible. You will be contacted at regular intervals so that you know how it is progressing.