Title: Thank you and follow up.

Dear xxxx,

Thank you for your enquiry and time {today / yesterday}.

I look forward to progressing matters with you next on {time, day, date}. That meeting typically lasts {length of time}.

Please see attached information that will save you time at the meeting, and reminders of what documentation to supply.

  • Agenda for our next meeting: this is a suggestion, so feel free to edit as you see fit
  • Guide to mortgages and protection: clarifying our process, your protection and any jargon
  • A budget planner: for you to complete, and supply to us
  • Map: to find our offices
  • Biog: a one page summary about me, my experience and qualifications
  • Factsheet: buying your new home
  • Factsheet: borrowing to invest in property
  • Factsheet: re-mortgaging your property

Supporting Documentation you need to supply:

Please supply the relevant documentation as listed below, together with your completed budget planner to save you time in the meeting.

Proof of your identity and address

We support the Proceeds of Crime Act and all efforts to eliminate Money Laundering. As part of this, we need to verify the identity of all our clients. We ask that you provide some original documents containing your name and address.

You must provide at least:

  • one proof of identity document – e.g. Passport or Driver’s Licence
  • one proof of address document – e.g. utility bill from the last 3 months

To support your mortgage application

You will need to provide:

  • last 3 month’s consecutive bank statements
  • a completed budget planner – showing income and expenditure
  • deposit – evidence of the source of the deposit (e.g. if from your own savings, then your last 12 month’s savings accounts statements)

You will also need to supply evidence of the following (where relevant to your circumstances):

  • A copy of your credit file – see below
  • Employed - last 3 months payslips (or last 13 week’s payslips) and last P60
  • Self-employed - last 2 year’s SA302s, or last 2 year’s online SA302s with tax year overview
  • Current mortgage - your last mortgage statement
  • State benefits - evidence of any state benefits (letter dated within last 12 months for each benefit)
  • Pension income - evidence of pension income
  • Gift of a deposit
  • if under £5000, a gifted deposit letter
  • if over £5000, a gifted deposit letter and evidence of lump sum
  • Insurance / assurance – details of your current provisions (e.g. provided through your work or private plans) to cover short term illness, accident, redundancy, serious illness (e.g. cancer), death, buildings or contents

Credit file

With the increase in identity theft, we strongly recommend you obtain a copy of your own credit report. This is to ensure your application is not delayed by uncovering surprises later in the process. It also means that any issues uncovered can addressed, as it does not mean your application is automatically declined – indeed many lenders have provision for this type of business.

Check the initial and ongoing fees that agencies charge as they can vary.

The main agencies to approach are Experian, Equifax, Callcredit, Checkmyfile.

As we are meeting at your home, it would be really useful if you can have copies available with the original documents, as I am unable to take originals away with me.

I look foward to helping you

Your sincerely

{insert name}