If you're buying a property for the very first time, select 'Yes', otherwise, select 'No'

If you're making a new purchase, enter the market price or the amount you have been offered and accepted. If you're remortgaging and have had a valuation from a surveyor or estate agent within the last six months, use that figure. The more accurate the value, the more appropriate your mortgage selections will be.

If you're making a new purchase, enter the market price or the amount you have been offered and accepted. If you're remortgaging and have had a valuation from a surveyor or estate agent within the last six months, use that figure. The more accurate the value, the more appropriate your mortgage selections will be.

The mortgage amount is the total amount you wish to borrow from a lender. If you're buying, this will be the difference between the purchase price and the amount you have in deposit funds. You can generally borrow a maximum of 95% of the property value to live in. If it's a buy to let purchase, many lenders will offer a maximum 85% loan to value (LTV).

If you're remortgaging, enter the outstanding balance of your current mortgage. If you want to release any additional funds, add that amount. Note that the typical maximum of 95% LTV could still apply.

A mortgage term is the number of years over which you agree to make payments to the lender. For a repayment mortgage, the longer the mortgage term, the lower the monthly payments will be, but the more interest you'll pay overall. Mortgage terms are typically 25 or more years, but can be less. By the end of the term, the mortage will be paid off and you'll own the property outright.

If you have an interest-only mortgage, the interest will be paid off by the end of the term, but at that point you'll have to repay the original capital.

Lenders look for stable circumstances when considering mortgage applications and most want to see a minimum of 3 years' residency in the UK so they can track your financial history associated with your home address(es).

It's essential that a lender knows whether the property being mortgaged is your own home or a rental property, as the risk and lending criteria are different for each. Lending to a homeowner is considered relatively low risk, so the maximum you can borrow tends to be high and the interest rates can be lower than for buy to let. If you're renting a property out, you will need a specialist buy to let mortgage.

Be aware that if you let a property on a standard residential mortgage without informing your lender, you could be in breach of the terms of your mortgage and your lender could require you to immediately repay the entire outstanding mortgage balance.

The mortgage amount is the total amount you wish to borrow from a lender. If you're buying, this will be the difference between the purchase price and the amount you have in deposit funds. You can generally borrow a maximum of 95% of the property value to live in. If it's a buy to let purchase, many lenders will offer a maximum 85% loan to value (LTV).

If you're remortgaging, enter the outstanding balance of your current mortgage. If you want to release any additional funds, add that amount. Note that the typical maximum of 95% LTV could still apply.

Equity release is a financial arrangement that provides the owner(s) of a house or other property with funds derived from the value of their property while enabling them to continue using it

Please include all forms of income, ie:

Please include all forms of income, ie:

Conveyancing
When you're buying, moving home or remortgaging, you need a Solicitor. They will handle all legal aspects of buying, remortgaging or selling a property for you

Wills
When you buy a new home, it is important you make a Will stating who you would like to leave the property to should anything happen to you

Protection (Life cover)
You should obtain protection or life cover to secure your home in the event of any life-changing circumstances. There are many options of what type of cover you may need, your advisor would find you the best option for your situation

Buildings and contents insurance
Buildings insurance covers the structure of your home and permanent fixtures and fittings. In most cases, you will not be able to secure your mortgage without Buildings insurance. Contents insurance covers your belongings inside your home. If you take out a policy on both, with the same supplier, this is usually cheaper.

Friends / professionals sharing
If your property is rented out to just two individual sharers, check this box. If there are three or more sharers from more than one household, select 'House in Multiple Occupation'.

Students
If you're buying or remortgaging a property that's going to be let to students, you will need a specialist mortgage. There are extra considerations that come with letting to this type of tenant and not every lender offers student mortgages. For more information, we will refer you to a specialist in this area

House in Multiple Occupation (HMO)
An HMO is any property rented out to three or more people, who are not from one household and share facilities. If your property is an HMO, it requires a specialist mortgage and not every lender offers these. Speak to one of our experienced advisers for more information.

Company let
If your property is let to a company and the tenancy agreement is not directly with the occupying tenant(s), you must disclose this on your mortgage application. The number of mortgages available to you will be limited and some lenders may impose specific restrictions and higher charges. Speak to one of our specialist advisers who can help you source the most competitive corporate let mortgage options.

DSS
Some lenders consider properties that are let to tenants receiving DSS assistance to be higher risk, so not all providers will offer mortgages for this type of let. If you're planning to let to DSS tenants, speak to one of our specialist advisers to find out more.

Holiday let
If your property is rented out on a short-term basis throughout the year, you could need a specialist Holiday Let mortgage. The criteria may be stricter than for a standard buy to let mortgage.

Most lenders will require your tenants to sign an Assured Shorthold Tenancy agreement. If you use any other type of rental contract, this could limit the number of lenders available to you. Speak to one of our mortgage experts or complete the remaining questions to help us find the best mortgage solution for you.

This may restrict the number of lenders and mortgage products available to you. You can either speak directly to one of our mortgage experts now, or complete the remaining questions to help us find the best mortgage solution for you.