ADVISER NAME / Commercial Expert Ltd / DATE
ADVISERS EMAIL ADDRESS
PLEASE COMPLETE THE INFORMATION ON THE FOLLOWING PAGES AS FULLY AND ACCURATELY AS POSSIBLE. THE INFORMATION YOU CONFIRM HERE WILL BE USED TO SUBMIT YOUR APPLICATION TO THE MORTGAGE LENDER
PLEASE RETURN THE FORM TO YOUR ADVISER BY EMAIL OR TO THE ABOVE ADDRESS
1)YOUR PERSONAL DETAILS
Title / Mr / Mrs / Miss / Ms / Mr / Mrs / Miss / Ms
First name
Middle name/s
Surname
Any previous surname
Date of birth
Marital status
Dependants name/s and ages
Nationality
If not British, do you have permanent rights in the UK / Yes / No / Yes / No
If no, confirm visa expiry date / If no, confirm visa expiry date
National Insurance number
Home telephone number
Work telephone number
Mobile telephone number
Email address
Home address
Postcode
Residential status / Owner / Tenant / Other / Owner / Tenant / Other
What date did you move here
If you have not lived here for 3 years please provided your previous addresses and dates to make a complete 3 year history

PLEASE PROVIDE THE BANK ACCOUNT YOU WISH TO USE TO PAY YOUR MORTGAGE PAYMENTS THROUGH

Account owner / Name of bank / Sort code / Account number
DO YOU EARN INCOME FROM YOUR OWN BUSINESS? IF YES COMPLETE THE NEXT PAGE, IF NO GO TO SECTION 3
2) INCOME FROM YOUR OWN BUSINESS

IF YOU OWN RENTAL PROPERTY IN YOUR PERSONAL NAME/S, PLEASE COMPLETE THE FOLLOWING:

Self Partner

When did you begin to let property?
Have you submitted your accounts to HMRC / Yes / No / Yes / No
What is YOUR SHARE of the net profit/loss from your properties as submitted to HMRC
(Net profit means the taxable income made after deducting your running expenses from the rent) / 2012 / £ / 2012 / £
2011 / £ / 2011 / £
2010 / £ / 2010 / £
2009 / £ / 2009 / £

IF YOU OWN YOUR OWN BUSINESS OR RUN A PROPERTY PORTFOLIO IN THE NAME OF A LIMITED COMPANY, PLEASE COMPLETE THE BELOW. IF YOU OWN MORE THAN ONE BUSINESS PLEASE COMPLETE THE INFOMATION AGAIN ON A SEPARATE SHEET

Self Partner

What is the business name?
What is the nature of the business?
When was the business started?
What percentage of the company is yours?
What is the address of the business
What month is the business year end?
What is the status of the business? / Limited company / Limited company
Sole trader / Sole trader
Partnership / Partnership
What is the net profit for the business
(Net profit means the taxable income made after deducting your running expenses) / 2012 / £ / 2012 / £
2011 / £ / 2011 / £
2010 / £ / 2010 / £
2009 / £ / 2009 / £
For limited companies, please confirm your current taxable PAYE income if applicable / £ / £
For limited companies, please confirm your dividend income for each year if applicable / 2012 / £ / 2012 / £
2011 / £ / 2011 / £
2010 / £ / 2010 / £
2009 / £ / 2009 / £

ACCOUNTANTS DETAILS

Please provide your accountants name and address
Accountants telephone number
Notes
3) INCOME FROM EMPLOYMENT

IF YOU ARE EMPLOYED BY A COMPANY OTHER THAN ONE YOU OWN, PLEASE COMPLETE THE FOLLOWING:

Self Partner

What is your occupation?
When did you start this job?
Is it a permanent position?
Name and address of your employer
Contact number for your employer
Annual basic salary BEFORE tax
Average overtime income per year
Bonus income per year
Annual car or travel allowance
Other income from your employer
4) INCOME FROM OTHER SOURCES

Type of incomeSelf Partner

Private Pension income per year / £ / £
State pension income per year / £ / £
Income from investments or trusts per year / £ / £
Working family tax credits per year / £ / £
Child benefit per year / £ / £
Other benefits – state what / £ / £
Other income– state what / £ / £
5) YOUR REGULAR PERSONAL OUTGOINGS

Monthly payments Joint Self Partner

Current rent or mortgage payments / £ / £ / £
Food and general living / £ / £ / £
Utility bills, e.g. gas, electric, water, council tax / £ / £ / £
TV and phone costs / £ / £ / £
Car and travel expenses / £ / £ / £
Insurances / £ / £ / £
Loans, credit card and other debt payments / £ / £ / £
Childcare / £ / £ / £
Leisure and savings / £ / £ / £
Other-state what / £ / £ / £
TOTAL EXPENSES / £ / £ / £
Notes
6) YOUR ASSETS AND LIABILITIES

PLEASE PROVIDE DETAILS OF ANY MORTGAGE YOU HAVE ON THE PROPERTY YOU CURRENTLY RESIDE IN

Owner/s / Current property value / Mortgage lender / Original purchase date / Outstanding mortgage
Current interest rate / Monthly mortgage payment / Repayment method e.g. capital & interest / Remaining term left on the mortgage / Do you have any early repayment fees
IF YOU OWN ANY OTHER PROPERTIES, PLEASE COMPLETE THE DETAILS ON THE LAST PAGE, SECTION 7

PLEASE PROVIDE DETAILS OF ANY OTHER DEBTS YOU HAVEINCLUDING OVERDRAFT BALANCES

Owner / Type of debt / Provider / Amount outstanding / Monthly payments / Will this be cleared within 6 months?
£ / £
£ / £
£ / £
£ / £
£ / £
£ / £

PLEASE PROVIDE DETAILS OF ANY PAST OR PRESENT CREDIT PROBLEMS

Self Partner

Have you ever been late with any payments on a mortgage? / Yes / No / Yes / No
Have your payments been late in the last 2 years on a loan or credit card? / Yes / No / Yes / No
Have you ever received a default (court action warning letter)? / Yes / No / Yes / No
Have you ever received a County Court Judgement? / Yes / No / Yes / No
Have you ever been made bankrupt or had a property repossessed? / Yes / No / Yes / No
Have you been refused credit in the last 6 months? / Yes / No / Yes / No

If you have answered yes to any of these we will need to see a copy of your credit report

PLEASE PROVIDE DETAILS OF ANY NON-PROPERTY ASSETS YOU HAVE

Owner of Asset
e.g. self, partner or joint / Asset type
e.g. savings, pension, cars etc / Value of asset / To be used towards purchase?
£ / Yes / No
£ / Yes / No
£ / Yes / No
£ / Yes / No
£ / Yes / No
£ / Yes / No

PLEASE PROVIDE DETAILS OF ANY INSURANCE AND PROTECTION PLANS YOU HAVE SUCH AS LIFE COVER

Person Insured / Name of insurer / Type of cover
e.g. life cover, illness cover / Plan end date / Amount of cover / Monthly cost
£ / £
£ / £
£ / £
£ / £
£ / £

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7) YOUR PROPERTY PORTFOLIO
IF ALL OF THIS INFORMATION IS CONTAINED ON YOUR OWN EXISTING SPREADSHEET, YOU CAN SEND THIS TO US INSTEAD OF COMPLETING THE BELOW
Property address / Owner/s
e.g.
Self, Partner or Joint / Current property value / Mortgage lender / Original purchase date / Outstanding mortgage
Balance / Current interest rate / Monthly mortgage payment / Repayment method e.g. interest only / Remaining mortgage term / Do you have any early repayment fees / What is the monthly rent
£ / £ / % / £ / £
£ / £ / % / £ / £
£ / £ / % / £ / £
£ / £ / % / £ / £
£ / £ / % / £ / £
£ / £ / % / £ / £
£ / £ / % / £ / £
£ / £ / % / £ / £
£ / £ / % / £ / £
£ / £ / % / £ / £
£ / £ / % / £ / £
£ / £ / % / £ / £
How many additional properties do you hope to add to your existing portfolio over the next 12 months? / Self / Partner
Would you like a review of your portfolio to make sure the finance is arranged in the most effective way? / Self / Partner

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1)BUY TO LET PROPERTY DETAILS
Name of each mortgage applicant for this property / 1) / 3)
2) / 4)
Name of limited company if this is a company application
Do you or any members of your immediate family plan to occupy the property? / Yes / No
Do you or any members of your immediate family currently occupy the property? / Yes* / No
If Yes*, please provide the full address of the property you will be moving to and your status at this property, e.g. owner, renting, living with family

PLEASE PROVIDE THE DETAILS OF THE PROPERTY YOU WISH TO FINANCE

Property address including postcode
House / Flat / Bungalow
Property description / Detached / Semi / Terraced
Property tenure / Freehold / Leasehold / Other
If Flat, please confirm: / Years left on lease / Floor of property / Total floors in block
Number of bedrooms / Approximate year built
Is this property an ex local authority property? / Yes / No
Is this a concrete or timber constructed property? / Yes / No
Is this property above or adjacent to commercial property? / Yes / No
Are there any other non-standard features? / Yes / No
If you have answered yes to any of the above, please provide more information
What is the monthly rent achieved/expected for this property?
Please confirm what type of tenants or tenant arrangements you have or are considering / Professionals on a 6 or 12 month agreement
DSS tenants
Student tenants
Multi let room by room to a number of individuals
Letting to the local housing authority
Corporate lets
2)PLEASE COMPLETE THIS SECTION ONLY IF THIS IS A REMORTGAGE

REMORTGAGE DETAILS

Current property value / Amount of mortgage required
Is this more than you currently owe? If yes, please confirm what you plan to spend the additional capital raised on / Another property / Yes / No
Renovations / Yes / No
Other-state what
Please provide details of any renovation works you have completed on this property since purchase

PLEASE CONFIRM WHO THE LENDER SHOULD CONTACT TO ACCESS THE PROPERTY FOR THE SURVEY

Name / Contact number/s
3)PLEASE COMPLETE THIS SECTION ONLY IF THIS IS A PURCHASE
Purchase Price / Amount of mortgage required
Where is your deposit coming from? / Remortgage of another property
Savings
Gift from family member
Other-state what
Are you receiving any incentives for buying this property such as discounts, cash back, free services or goods? If yes please state what and how much
Is this an auction or repossession purchase? / If yes, please confirm your completion deadline
Has the vendor owned the property over 6 Months? / Not Known / Yes / No
Does the property need refurbishment before it is in a condition to be let? If yes, please state what your renovation plans are and the estimated cost

PLEASE CONFIRM WHO THE LENDER SHOULD CONTACT TO ACCESS THE PROPERTY FOR THE SURVEY

Name / Contactnumber
Please confirm if they are: / Estate Agent / Vendor (private sale) / Other-
Has this property been found with the assistance of a property club, finder or similar? / Yes / No / x
4)WHAT MORTGAGE FEATURES DO YOU REQUIRE?
What term would you like to take the whole of your mortgage over / Years
Rate type preferred / Fix / Variable e.g. tracker
Repayment method required / Capital and Interest / None, interest only
How long would you be prepared to be tied into an initial rate deal for? / State the maximum number of years / Or tick here if you would prefer no tie
Would you like any other mortgage features such as overpayments or portability? Please confirm what:
5)PLEASE CONFIRM YOUR SOLICITORS DETAILS
Name of company / Acting solicitor
Address
Contact number / Emailaddress
MARK HERE IF YOU WOULD LIKE US TO ARRANGE A SOLICITOR QUOTE FROM OUR COMPETITIVE PANEL

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