skip to main content

Make sure you're prepared

The process of applying for a mortgage can be time consuming and complicated and this is why professional advice from your Blackstone adviser is so important. During your consultation your adviser will need to look at all your documents to review your income and your expenditure before making a recommendation based on your individual needs.

Working out your budget

Before you apply for a mortgage we recommend you do your sums and compile a list of all your income and your outgoings. Make sure you include all your household bills and your regular expenditure, including all of the items in the chart below so that you can decide how much you can afford to borrow.

Don’t forget to factor in an amount for protection such as life, illness and home insurance, which will help secure the future of your investment.

Your mortgage

Before a lender agrees your loan, they will check thoroughly that you can afford the monthly payments, that you can manage increases in interest rates, and they’ll look at your outgoings as well as your income. 

Your Blackstone adviser is a qualified professional who will pick the best products from the whole of the market and a mortgage that best suits you, your budget and your new home.

Here’s a useful checklist of the details you should have ready and expect to provide your adviser during your mortgage consultation. 

Please have your evidence of income, bank statements and monthly expenditure information to hand for your appointment. If you are self-employed it’s a good idea to obtain your three years SA302 tax summary documents from your HMRC online account or your accountant as soon as possible. 

View or download a Pre-appointment checklist  and print a Credit commitments capture form to summarise your loans and balances owed and your usual monthly payment. 

Your savings

You will need to evidence your savings and the amount of money you will put into buying your home (i.e. your deposit). Usually the larger your deposit the more favourable your interest rate might be.

Credit Report

A lender will use one of three credit agencies to check your financial history and payment record before offering you a mortgage; these are Experian, Equifax and Call Credit (Noddle). It is worth getting your credit report yourself to spot any potentially costly errors, such as an incorrect house number, post code or a non-existent County Court Judgment which could lead to your credit application being rejected. We recommend that you obtain your credit reports as early as possible in the process to check for errors and also make sure you’re correctly showing on the electoral roll.  You can run a free report at www.noddle.co.uk or carry out a free check with a thirty day trial at www.experian.co.uk and www.equifax.co.uk

This list is not exhaustive so always disclose all relevant facts and details to your adviser so that you get comprehensive mortgage advice relevant to your individual situation.

Contact Blackstone Financial Solutions now for a free, no-obligation initial consultation and take away the stress of finding and arranging your mortgage.

"Khalid is awesome, we are living the dream thanks to his excellent financial advice. He is very professional and always willing to help explain the details in a way we could understand; doing all the paperwork and helping us achieve our dream home. We can't thank him enough. Many thanks Khalid; when our great fixed term mortgage is due we will be back in touch."

ANDY, SOMERSET
Get in touch

Get in touch

Contact us at either our Bristol or Keynsham office, or book a consultation.

Contact Us Book a Consultation
Ask Us About

Mortgages with

  • No lender fees
  • No early repayment charges
  • Valuation fee refunds
get in touch
Money

Competitive Mortgages

We access the best mortgages from over 65 lenders and many exclusive deals not available directly.

Refresh

Bespoke Advice

Years of experience means our quality advice will be tailored completely to you.

Handshake

Personal Service

The best service is personal service; we really care about your experience.

Heart

Client Care

Our dedicated team are with you every step of the way.

Khalid Javid featured in the Sunday Times Guide to the Top 250 UK Mortgage Advisers

Sunday TimesWe're delighted to announce that Khalid Javid was featured in the Sunday Times Guide to the Top 250 UK Mortgage Advisers.

Read more

UK Cities House Price Index

Don't rely on regional averages. The Hometrack UK Cities House Price index is the only UK index which analyses housin...

View more news

We're only a phone call away

It would be our pleasure to work with you to ensure you have the best mortgage for you.