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Prepare well for your mortgage appointment

Your home may be repossessed if you do not keep up repayments on your mortgage

What you need to have to hand during your telephone mortgage appointment

There are a lot of things you need to have to hand during your mortgage interview. These are to help confirm your identity and also to prove your income and expenditure. By having all the documents you need you’ll make sure your application isn’t unnecessarily delayed.

Estimate your monthly mortgage repayments by using our mortgage calculator. You could also look at our article, ‘Financial considerations of home ownership’, to give you a better idea of some of the costs involved in buying a home.

Our checklist can help you be prepared. We’re here to help you every step of the way.

How long does it take?

The mortgage appointment with a Clydesdale Bank mortgage advisor could take around two hours to complete. Make sure you’re properly prepared for your mortgage appointment and you’ll be off to a great start.

You’ll be asked for:

  • Financial dependents - names & date of birth
  • Income - annual & monthly take home pay for all applicants (husband/wife etc)
  • Will income increase/decrease in the coming years?
  • Retirement age
  • Any credit cards and outstanding balances and current interest rate
  • Any loans and outstanding balances and current interest rate
  • Other expenditure:

    • Other mortgage payments
    • Maintenance, childcare, school fees
    • Maintenance or alimony payments
    • Building insurance
    • Car insurance
    • Other essential insurance
    • Housekeeping, food bills
    • Gas / Electric
    • Council Tax
    • Ground rental (Freehold/Leasehold)
    • Essential Travel (petrol, public transport)
    • Telephone (Eg. landline / mobile of all dependants and applicants)
    • Other expenses (TV Licence, Sky, memberships)
  • How much do you wish to borrow?
  • Where does the deposit come from?
  • You’ll also be asked if you know which type of mortgage you’d prefer – fixed, variable etc. You can learn more about first time buyer mortgages here.

You’ll need to bring:

  • Photographic proof of ID such as a passport or a full UK driving licence, unless you are already a customer of Clydesdale Bank.
  • Payslips, If you’re paid:

    • Monthly - your last payslip
    • Four weekly - your last 2 payslips
    • Fortnightly - your last 4 payslips
    • Weekly - your last 4 payslips
  • If you’re self-employed (sole trader, partnership, LLP or limited company), you will need; your financial accounts for the past two years OR 3 years' HMRC Tax Calculation with accompanying Tax Year Overviews, 3 months’ business bank statements, and a completed Self-Employed Supplementary Form. For limited company directors, an accountant's letter confirming shareholding and any remuneration paid in the last 3 years. See our guide to self employed considerations.

We’re here to help guide you through the home buying process. Make sure you know what’s required of you and the process will be a lot easier and quicker.

More help with mortgages


Financial considerations of home ownership

Make sure you’re aware of the costs of buying a home and how many factors can influence the mortgage rate you get.

Find out more on financial considerations

Keys to new home

First time buyer tools and guides

We’re here to help make your first time with mortgages easier by helping you make sense of it all.

Find out more about first time buyer tools and guides

North Queensferry

Buy-to-let mortgages

If you’re thinking of buying a property as an investment there are a few important things you need to be aware of.

Find out more on buy-to-let mortgages

Your next steps

Give us a call

  • If you've got any questions, get in touch.

    New mortgage customers

    0800 022 4313

    Mon-Fri 8am-8pm, Sat 9am-5pm and Sun 10am-4pm

    Existing mortgage customers

    0800 121 4203

    Mon-Fri 8am-5pm