Jamie Lennox - Mortgage Adviser - Dimora Marketing

Top tips to prepare for your mortgage meeting

Mortgage meeting

Top Tips to Prepare for Your Mortgage Meeting

Understanding the process of securing a mortgage can be daunting heading into a mortgage meeting, even if this isn’t your first rodeo, as the process can differ depending if you are a first-time buyer/homemover or looking to remortgage to secure a new deal. Your mortgage meeting with your advisor is your opportunity to present your financial situation in the best light and secure the mortgage offer that suits your needs. To ensure the process goes smoothly, it’s essential to be well-prepared. Here’s a comprehensive guide on what you need to have ready for your mortgage appointment in the UK.

Documents to gather:

Preparation for your mortgage meeting is not just about gathering documents; it’s about understanding your financial health, knowing what lenders are looking for, and being ready to discuss various aspects of your future home and finances. The better prepared you are, the more efficiently your advisor can help find a suitable mortgage product for you.

Proof of Identity and Address

Start by compiling your identification documents. You’ll need a valid passport or driving licence to prove your identity. Additionally, recent utility bills, council tax statements, or bank statements are required to verify your address. Make sure these documents are current and bear your full name and present address.

Proof of Income

For employed individuals, the last three months’ payslips and most recent P60 form issued by your employer will suffice. If you’ve received bonuses or commissions, your lender may want to see evidence of this over a more extended period to gauge its regularity.

Self-employed applicants need to provide a more comprehensive set of documents, including SA302 tax calculations and tax year overviews for the last two or three years from HMRC, alongside full accounts if available. These documents help lenders understand your income stability and predict future earnings.

Bank Statements

Your last three to six months’ bank statements are crucial. They offer a snapshot of your spending habits, regular outgoings, and how well you manage your finances. Lenders scrutinize these statements for red flags like gambling transactions or erratic spending patterns.

Credit Score

Check your credit score before the appointment. A good credit score can significantly affect your mortgage terms, including the interest rate. If there are any errors in your credit report, try to resolve them beforehand. We recommend using a company such as CheckMyFile as they are the only provider that shows Experian, Equifax and Transunion all within one report.

Proof of Deposit (purchase only)

You will need to prove that you have the funds for your deposit. This could be a bank statement showing the amount saved. If your deposit is a gift, a letter from the person giving you the gift, confirming it is not a loan, will be necessary.

Mortgage meeting documents

Information to have available:

Budget Planner

Having an idea of your monthly outgoings can be key when searching for a mortgage. This should include all your monthly income and outgoings, such as living expenses, loans, credit card payments, and any other commitments. Being transparent about your finances helps in assessing how much you can afford to borrow.

Existing Credit Commitments

If you have any loans, credit cards, or other credit commitments, have the details handy, including the lender, outstanding amount, monthly payments, and term of the credit. Lenders use this information to assess your debt-to-income ratio.

Future Financial Plans

Be ready to discuss your future financial plans, as they can affect your mortgage. This includes career plans, starting a family, or any significant changes in your income or expenses. This helps in determining the right mortgage type and term for your situation.

Questions to Ask

Prepare a list of questions you want to ask during your appointment. These could be about the types of mortgages available, the application process, fees and charges, or any specific concerns you have. Asking questions not only clarifies your doubts but also ensures that you are getting a mortgage that fits your needs.

What will be covered?

During your mortgage meeting we will of course cover any questions or topics that are a priority to you, we will discuss how we operate, the mortgage process, as well as what to expect along the mortgage journey. We will cover off other areas you will want to consider when getting a mortgage such as surveys, conveyancing and insurance including buildings, contents and personal protection such as life, critical illness and income protection. The goal will be for you to walk away from your mortgage meeting with a clear understanding.

mortgage appointment


Preparing for your mortgage meeting is a critical step in the process. By gathering the necessary documents, understanding your financial situation, and having a clear idea of what you need, you can make the appointment productive and move one step closer to securing your dream home. Remember, the more prepared you are, the smoother the process will be. Good luck with your mortgage application, and welcome to the exciting journey of homeownership in the UK.

Once our meeting has been completed we can look to get you a decision in principle or fully apply for a mortgage on your behalf should you wish to proceed with our services.

Have any questions prior to your meeting? feel free to email us on info@dimoramortgages.co.uk or follow our contact us page.

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The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

Dimora Mortgages Ltd (Company Number 13004223). Registered in England & Wales

Registered & Trading Address: 7 Hobart Drive, Little Plumstead, Norfolk, NR13 5FS

Dimora Mortgages Ltd is an appointed representative of PRIMIS Mortgage Network, a trading name of First Complete Limited which is authorised and regulated by the Financial Conduct Authority. (943407) 

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