Hello! We need to know a few things about you in order to find you the most suitable mortgage.
It’s nice and easy, no complicated jargon and will take no longer than a few minutes. Your information will not be shared and is secure. There are no credit checks involved. If you need any help or wish to talk with a member of staff, please use the number below...
Ok
press Enter
What's your full name?
?
Ok
press Enter
What's your email address?
?
You'll be able to access your report at any time with your email.
Email already exists, please login.
Log in
Log in to retrieve your report
Ok
press Enter
Ok great, now let’s understand what you’re looking to do.
This should take about a minute.
Ok
press Enter
What would you like us to help you with?
?
Residential purchase
Residential remortgage
Buy to let
Help to Buy / Shared Equity
Buy to let properties can be a bit more complex than usual. Schedule a conversation with one of our Experts who can discuss your requirements in more detail.
Book a call
Are you applying by yourself or with someone else?
?
By myself
With someone else
What is their gender?
?
Male
Female
What is #his/her# name?
?
Ok
press Enter
How old are you?
?
Ok
press Enter
How old is #name#?
?
Ok
press Enter
Will #name# own any other properties after this mortgage starts?
?
Yes
No
Will you own any other properties after this mortgage starts?
?
Yes
No
After this mortgage starts, will you have any other residential mortgages in place?
?
Yes
No
Do not include BTL mortgages
After this mortgage starts, will #name# have any other residential mortgages in place?
?
Yes
No
Do not include BTL mortgages
Second residential properties can be a bit more complex to arrange (due to extra running costs). Why you don't arrange a call with us to look into affordability a bit further and look at alternative mortgage structures such as interest only?
Book a call
Have you found a property yet?
?
Yes
No but I am actively viewing properties
No, I'm just researching
Property details play a big part in lending criteria. We'll skip the property questions for now but please check your Mortgage Report again when you have found a property.
?
OK
What's the expected purchase price?
?
£
Ok
press Enter
Do you own the property you live in at the moment?
?
Yes
No
Have you owned a property before?
?
Yes
No
Have either you or #name# owned a property before?
?
Yes
No
How much do you have to put towards a deposit?
?
£
You need a minimum deposit of £2,500 to qualify for most standard mortgages
Ok
press Enter
Where is the deposit coming from?
?
Gift
Savings
If the deposit is coming from the sale of your property, please choose Savings
We have assumed you will provide a self-saved 5% deposit and you will use the maximum 20% equity loan from the Government/Help to Buy.
If your figures differ from this it’s worth you speaking to our advisers, especially as Help to Buy is more complex than a standard mortgage and there are certain things you need to understand.
Ok
press Enter
Who is gifting you the deposit?
?
Immediate family
Non immediate relatives
Friends and others
Where is the the deposit currently held?
?
UK
EU
outside of EU
When will you move from your initial deal rate onto the lender's Standard Variable Rate (SVR)?
?
I am currently on my SVR
Within 3 months
Between 3 and 6 months away
More than 6 months away
The initial deal rate is the 5 year fixed/2 year tracker etc that was offered at the start - the SVR is what your lender moves you on to once this initial period finishes
Have you owned your property for less than 6 months?
?
Yes
No
What is the estimated value of your property?
?
£
Ok
press Enter
How much do you owe on your mortgage?
?
£
Ok
press Enter
How much are your monthly payments?
?
£
Ok
press Enter
Do you want to borrow more on top of your existing mortgage?
?
Yes
No
How much more would you like to borrow?
?
£
Ok
press Enter
What will the extra money be used for?
?
Home redecoration / home extension
A deposit for new property purchase
Debt consolidation / paying off another secured or unsecured loan / non-business purposes
Business purposes / tax bills / a time share / non property investments
Excellent! Now let’s get an idea about the kind of property you’re looking to remortgage.
This shouldn’t take long.
Ok
press Enter
Is there a ground rent or service charge?
?
Yes
No
What would be the monthly ground rent?
?
£
Ok
press Enter
What would be the monthly service charge?
?
£
Ok
press Enter
Is the property a:
?
Flat
House
Is the house a:
?
Freehold
Leasehold or Share of Freehold
A house is usually freehold while a flat or maisonette is often leasehold or share of freehold
Is the flat a:
?
Freehold
Leasehold or Share of Freehold
A flat or maisonette is often leasehold or share of freehold while a house is usually freehold
How long is left on the lease?
?
125 years plus
85 to 124 years
Less than 85 years
How long is the lease?
?
125 years plus
85 to 124 years
Less than 85 years
What floor is the flat on?
?
3rd or below
3rd or above with a lift
10th or above with a lift
There's no lift and it's above the 3rd floor
Is it above or immediately next to business premises?
?
Yes
No
Ok, what type of business premises?
?
Professional office
Retail outlet
Supermarket or newsagents
Food outlets or restaurants
Pub, bar or nightclub
Car garage or petrol station
Launderette or hairdressers
Manufacturers or a factory
Vets, catteries or other animal based business
Is it a studio flat?
?
Yes
No
Is the studio smaller than 30 square metres?
?
Yes
No
Is it ex local council?
?
Yes
No
Does the property have deck access?
?
Yes
No
A deck access property is usually an ex local council flat where the front door is accessed via a shared balcony
Which floor is the deck access on?
?
4th or lower
5th or above
Do any of the following apply to your property?
?
It has an outside annex
I'm letting out some spare rooms
There's more than one kitchen
Japanese knotweed close to the proximity
None
Is the property of standard construction?
?
Yes
No
This should have come up when you first mortgaged the property but if you're unsure, select No if you think it's an unusual construction type
Do any of these apply?
?
Single Skin
Thatched Roofing
Concrete large panel
Any other non standard construction
Where is the property?
?
England
Wales
Mainland Scotland
Scottish Isles
Northern Ireland
Excellent! Now let’s get an idea about the kind of property you’re looking to get a mortgage for.
This shouldn’t take long.
Ok
press Enter
Is it ex local council??
?
Yes
No
Is there a ground rent or service charge?
?
Yes
No
What would be the monthly ground rent?
?
£
Ok
press Enter
What would be the monthly service charge?
?
£
Ok
press Enter
Is the property a:
?
Flat
House
Is this property a new build or newly refurbished?
?
Yes
No
Is the house a:
?
Freehold
Leasehold or Share of Freehold
A house is usually freehold while a flat or maisonette is often leasehold or share of freehold
Is the flat a:
?
Freehold
Leasehold or Share of Freehold
A flat or maisonette is often leasehold or share of freehold while a house is usually freehold
How long is left on the lease?
?
125 years plus
85 to 124 years
Less than 85 years
How long is left on the lease?
?
125 years plus
85 to 124 years
Less than 85 years
How long is left on the lease?
?
125 years plus
85 to 124 years
Less than 85 years
How long is left on the lease?
?
125 years plus
85 to 124 years
Less than 85 years
What floor is the flat on?
?
3rd or below
3rd or above with a lift
10th or above with a lift
There's no lift and it's above the 3rd floor
Is it above or immediately next to business premises?
?
Yes
No
Ok, what type of business premises?
?
Professional office
Retail outlet
Supermarket or newsagents
Food outlets or restaurants
Pub, bar or nightclub
Car garage or petrol station
Launderette or hairdressers
Manufacturers or factory
Vets, catteries or other animal based business
Ok
press Enter
Is it a studio flat?
?
Yes
No
Is the studio smaller than 30 square metres?
?
Yes
No
Does the property have deck access?
?
Yes
No
A deck access property is usually an ex local council flat where the front door is accessed via a shared balcony
Which floor is the deck access on?
?
4th or lower
5th or above
Do any of the following apply to the property?
?
It has an outside annex
I'm letting out some spare rooms
There's more than one kitchen
Japanese knotweed close to the proximity
None
Ok
press Enter
Is the property of standard construction?
?
Yes
No
If you're unsure, ask the estate agent or select No if the property seems of unusual construction to you
Do any of these construction types apply?
?
Single Skin
Thatched Roofing
Concrete large panel
Any other non standard construction
Ok
press Enter
Where is the property?
?
England
Wales
Mainland Scotland
Scottish Isles
Northern Ireland
Sound’s good! Please tell us a little about your job role.
We’re almost there…
Ok
press Enter
What's your employment status?
?
Employed
Self Employed
Contractor
Unemployed
How long have you been in your current role?
?
12 months or more
between 6 and 12 months
currently in probation or less than 6 months
I've got a job offer and will start in the next 3 months
What is your basic annual salary before tax?
?
£
Ok
press Enter
Have you received extra income from overtime, bonus or commission within the last 12 months?
?
Yes
No
How much did you receive from overtime in the last 12 months?
?
£
Ok
press Enter
How much of a bonus payments did you receive in the last 12 months?
?
£
Ok
press Enter
How much did you receive from commission in the last 12 months?
?
£
Ok
press Enter
Ok, are you a sole trader or a limited company director?
?
Sole trader
Limited company director
How many year's accounts do you have?
?
3 or more years
2 years
1 year
No accounts yet
What was your net profit for the latest financial year?
?
£
Ok
press Enter
What was your net profit for the year before that?
?
£
What was the net profit for the second year?
Ok
press Enter
And what was your net profit for the year before that?
?
£
What was the net profit for the third year?
Ok
press Enter
What was your director's salary for the latest financial year?
?
£
Ok
press Enter
What were your company dividends for the latest financial year?
?
£
Ok
press Enter
What were your operating profits before tax for the latest financial year?
?
£
Ok
press Enter
What was your director's salary for the second latest financial year?
?
£
Ok
press Enter
What were your company dividends for the second latest financial year?
?
£
Ok
press Enter
What were your operating profits before tax for the second latest financial year?
?
£
Ok
press Enter
What was your director's salary for the third latest financial year?
?
£
Ok
press Enter
What were your company dividends for the third latest financial year?
?
£
Ok
press Enter
What were your operating profits before tax for the third latest financial year?
?
£
Ok
press Enter
Unfortunately you won't be able to get a mortgage yet as you cannot show a track record of income for affordability. Please use us again when you have 1 year's trading history
Book a call
Are you working as an IT contractor?
?
Yes
No
Which best describes your contracting status?
?
Fixed term contracting
Day rate contracting
Zero hours contracting
How long have you been contracting on a fixed term?
?
2 years + and have the next years' contract work ready
2 years + and have the next 6 months' contract work ready
1 year + and have the next 6 months contract work ready
For less than a year
Unfortunately you won't be able to get a mortgage as you cannot show a track record of income for affordability. Please use us again when you have started employment
Book a call
How long have you been contracting on a day rate?
?
2 years + and have the next years' contract work ready
2 years + and have the next 6 months' contract work ready
1 year + and have the next 6 months contract work ready
For less than a year
Your employment details mean that we need a bit more information from you to filter relevant options. Schedule a conversation with one of our Experts who can discuss your requirements in more detail.
Book a call
How long have you been contracting on zero hours?
?
For 2 years or more
For between 1 and 2 years
For less than than a year
Your employment details mean that we need a bit more information from you to filter relevant options. Schedule a conversation with one of our Experts who can discuss your requirements in more detail.
Book a call
Right, let's work out the figures.
Ok
press Enter
What is your day rate before tax?
?
Ok
press Enter
How many days do you work per week?
?
Ok
press Enter
On average, how many weeks do you work per year?
?
Ok
press Enter
How much will you be earning over the next 12 months?
?
£
Ok
press Enter
How many months have you been contracting for?
?
Ok
press Enter
Unfortunately you won't be able to get a mortgage yet as you cannot show a track record of income for affordability. Please use us again when you have 1 year's trading history
Book a call
Which of these best fit #name#'s employment status?
?
Employed
Self Employed
Contractor
Unemployed
How long has #name# been in #his/her# current role?
?
12 months or more
between 6 and 12 months
currently in probation or less than 6 months
Has a job offer and will start in the next 3 months
What is #his/her# basic annual salary before tax?
?
£
Ok
press Enter
Has #name# received extra income from overtime, bonus or commission within the last 12 months?
?
Yes
No
How much has #name# received from overtime in the last 12 months?
?
£
Ok
press Enter
How much bonus did #name# receive in the last 12 months?
?
£
Ok
press Enter
Has any commission been paid to #name# in the last 12 months?
?
£
Ok
press Enter
Is #name# a sole trader or a limited company director?
?
Sole trader
Limited company director
How many years of accounts does #he/she# have?
?
3 or more years
2 years
1 year
No accounts yet
What was #name#'s net profit for the latest financial year?
?
£
Ok
press Enter
What was #name#'s net profit for the year before that?
?
£
Ok
press Enter
And what was #name#'s net profit for the financial year before that?
?
£
Ok
press Enter
What was #name#'s director's salary for the latest financial year?
?
£
Ok
press Enter
What was #his/her# company dividends for the latest financial year?
?
£
Ok
press Enter
What was #his/her# operating profits before tax for the latest financial year?
?
£
Ok
press Enter
What was #name#'s director's salary for the second latest financial year?
?
£
Ok
press Enter
What was #his/her# company dividends for the second latest financial year?
?
£
Ok
press Enter
What was #his/her# operating profits before tax for the second latest financial year?
?
£
Ok
press Enter
What was #his/her# director's salary for the third latest financial year?
?
£
Ok
press Enter
What was #his/her# company dividends for the third latest financial year?
?
£
Ok
press Enter
What was #his/her# operating profits before tax for the third latest financial year?
?
£
Ok
press Enter
Unfortunately you won't be able to get a mortgage yet as you cannot show a track record of income for affordability. Please use us again when you have 1 year's trading history
Book a call
Is #name# working as an IT contractor?
?
Yes
No
Which best describes #name#'s contracting status?
?
Fixed term contracting
Day rate contracting
Zero hours contracting
How long has #he/she# been contracting on a fixed term?
?
2 years + and have the next years' contract work ready
2 years + and have the next 6 months' contract work ready
1 year + and have the next 6 months contract work ready
For less than a year
Unfortunately you won't be able to get a mortgage as you cannot show a track record of income for affordability. Please use us again when you have started employment
Book a call
How long has #he/she# been contracting on a day rate?
?
2 years + and have the next years' contract work ready
2 years + and have the next 6 months' contract work ready
1 year + and have the next 6 months contract work ready
For less than a year
Unfortunately you won't be able to get a mortgage as you cannot show a track record of income for affordability. Please use us again when you have started employment
Book a call
How long has #he/she# been contracting on zero hours?
?
For 2 years or more
For between 1 and 2 years
For less than a year
Unfortunately you won't be able to get a mortgage as you cannot show a track record of income for affordability. Please use us again when you have started employment
Book a call
Lets work out the value of the contract.
Ok
press Enter
Day Rate?
?
Ok
press Enter
Days worked per week?
?
Ok
press Enter
Weeks worked per year?
?
Ok
press Enter
How much will #name# be earning over the next 12 months?
?
£
Ok
press Enter
How many months has #he/she# been contracting for?
?
Ok
press Enter
Unfortunately you won't be able to get a mortgage yet as you cannot show a track record of income for affordability. Please use us again when you have 1 year's trading history
Book a call
Is #name# unemployed?
?
Yes
No
Unfortunately you won't be able to get a mortgage yet as you cannot show a track record of income for affordability. Please use us again when you have 1 year's trading history
Book a call
Thanks for that! And now we need to know about your residential details.
This should take about 30 seconds.
Ok
press Enter
Are you a UK or EU citizen?
?
Yes
No
Which of the following residential status applies to you?
?
Indefinite leave to remain
Tier 1 VISA with more than 3 years left
Tier 1 VISA with less than 3 years left
Tier 2 (or higher) VISA
How long have you lived in the UK?
?
For over 3 years
For between 2-3 years
For less than 2 years
I'm not in the UK
Is #name# a UK or EU citizen?
?
Yes
No
Which of the following residential status applies to #name#?
?
Indefinite leave to remain
Tier 1 VISA with more than 3 years left
Tier 1 VISA with less than 3 years left
Tier 2 (or higher) VISA
How long has #he/she# lived in the UK?
?
For over 3 years
For between 2-3 years
For less than 2 years
I'm not in the UK
Let’s take a look at your spending.
This should take about a minute.
Ok
press Enter
Have you ever had a payday loan?
?
Yes
No
How recently did you repay the payday loan?
?
2 years ago
1 year ago
Within the last year
It's still outstanding
Has #name# ever had a payday loan?
?
Yes
No
How recently did #he/she# repay the payday loan?
?
2 years ago
1 year ago
Within the last year
It's still outstanding
Do you have any dependants?
?
Yes
No
How many dependants do you have?
?
Ok
press Enter
What are the monthly costs for dependants living with you? e.g. childcare, nursery, school fees or elderly care costs
?
£
Ok
press Enter
If any dependants aren't living with you, what are the child support or maintenance costs?
?
£
Ok
press Enter
Do you pay into a pension?
?
Yes
No
How much do you pay into a pension per month?
?
£
Ok
press Enter
Do you have any credit agreements which need to be repaid?
?
Yes
No
Such as student or unsecured loans, credit cards or hire purchase agreements
Are you paying off a student loan?
?
Yes
No
How much do you repay for the student loans each month?
?
£
Ok
press Enter
Do you have any credit cards?
?
Yes
No
How many credit cards do you have?
?
Ok
press Enter
What is the current outstanding balance for all credit cards?
?
£
Ok
press Enter
What will the balance on these credit cards be after the mortgage starts?
?
£
Ok
press Enter
Do you have any other unsecured loans? (e.g. personal loans)
?
Yes
No
How many unsecured loans do you have?
?
Ok
press Enter
What is the total balance of all unsecured loans? (excluding credit cards and loans secured against an asset)
?
£
Ok
press Enter
What are the total current monthly payments on all unsecured loans?
?
£
Ok
press Enter
What will the total monthly payments be on these unsecured loans after the mortgage starts?
?
£
Ok
press Enter
Do you have any hire purchase / PCP loans? (e.g. car finance)
?
Yes
No
How many hire purchase or PCP loans do you have?
?
Ok
press Enter
What is the total balance of all your hire purchase / PCP loans?
?
£
Ok
press Enter
What are the total current monthly payments on all hire purchase / PCP loans?
?
£
Ok
press Enter
How much will you pay each month on these hire purchase / PCP loans be after the mortgage starts??
?
£
Ok
press Enter
Have you gone over your agreed overdraft limit in the last 3 months?
?
Yes
No
What is the current balance on your overdraft?
?
£
Ok
press Enter
What will your overdraft balance be after the mortgage starts?
?
£
Ok
press Enter
Does #name# have any dependents?
?
Yes
No
Please don't count any dependants that you have already told us about earlier
How many dependants does #he/she# have?
?
Please don't count any dependants that you have already told us about earlier
Ok
press Enter
What are the monthly costs for #name#'s dependants? e.g. childcare, nursery, school fees or elderly care costs
?
Please don't count any dependant costs that you have already told us about earlier
Ok
press Enter
If any dependants aren't living with #name#, what are the child support or maintenance costs?
?
£
Please don't count any dependant costs that you have already told us about earlier
Ok
press Enter
Does #he/she# pay into a pension?
?
Yes
No
How much does #he/she# pay into the pensions per month?
?
£
Ok
press Enter
Does #name# have any credit agreements which need to be repaid?
?
Yes
No
Such as student or unsecured loans, credit cards or hire purchase agreements
Is #name# paying off a student loan?
?
Yes
No
How much does #he/she# repay for the student loans each month?
?
£
Ok
press Enter
Does #he/she# have any credit cards?
?
Yes
No
How many credit cards does #he/she# have?
?
Ok
press Enter
What is the current outstanding balance for all credit cards?
?
£
Ok
press Enter
What will the balance on these credit cards be after the mortgage starts?
?
£
Ok
press Enter
Does #he/she# have any other unsecured loans? (e.g. personal loans)
?
Yes
No
How many other unsecured loans does #he/she# have?
?
Ok
press Enter
What is the total balance of all #name#'s unsecured loans? (excluding credit cards and loans secured against an asset)
?
£
Ok
press Enter
What are the total current monthly payments on all unsecured loans?
?
£
Ok
press Enter
What will the total monthly payments be on these unsecured loans be after the mortgage starts?
?
£
Ok
press Enter
Does #name# have any hire purchase or PCP loans? (e.g. car finance)
?
Yes
No
How many hire purchase or PCP loans does #name# have?
?
Ok
press Enter
What is the total balance of all your hire purchase or PCP loans?
?
£
Ok
press Enter
What are the total current monthly payments on all hire purchase / PCP loans?
?
£
Ok
press Enter
What will be the total monthly payments of these hire purchase or PCP loans after the mortgage starts?
?
£
Ok
press Enter
Has #name# gone over #his/her# overdraft limit in the last three months?
?
Yes
No
What is #name#'s outstanding overdraft balance?
?
£
Ok
press Enter
After the mortgage starts, what will #his/her# overdraft balance be?
?
£
Ok
press Enter
We need to know a little more detail from you, so please can you tell us about your credit history.
This should take about 30 seconds.
Ok
press Enter
Have you had any problems with your credit history?
?
Yes
No
Have both of you had problems with adverse credit?
?
Yes
No
If both of you have credit issues then this case is too complex for this report. As this case will depend on soft facts, please contact our broker team.
Book a call
What do the credit issues relate to?
?
Missed payments or arrears
CCJs
Bankruptcy
Defaults
Has #name# had any problems with #his/her# credit history?
?
Yes
No
What do the credit issues relate to?
?
Missed payments or arrears
CCJs or IVAs
Bankruptcy
Defaults
Tell us about the missed payments and arrears
?
a single missed payment more than 2 years ago
a missed payment of more than £500 within the last 2 years
a missed payment of less than £500 within the last 2 years
more than one missed payment within the last 2 years
Tell us about the missed payments and arrears
?
a single missed payment more than 2 years ago
a missed payment of more than £500 within the last 2 years
a missed payment of less than £500 within the last 2 years
more than one missed payment within the last 2 years
Tell us about the CCJs
?
one CCJ more than 3 years ago
one CCJ within the last 3 years for less than £500 (but none in the last year)
one CCJ within the last 3 years for more than £500
more than one CCJ within the last 6 years
Tell us about the CCJs
?
one CCJ more than 3 years ago
one CCJ within the last 3 years for less than £500 (but none in the last year)
one CCJ within the last 3 years for more than £500
more than one CCJ within the last 6 years
Tell us about the bankruptcy
?
cleared for 6+ years
cleared for 3 - 6 years
cleared for 2 - 3 years
cleared for 0 - 2 years
Tell us about the bankruptcy
?
cleared for 6+ years
cleared for 3 - 6 years
cleared for 2 - 3 years
cleared for 0 - 2 years
Tell us about the defaults
?
none for 6+ years
one for less than £500 within 3 years
one for more than £500 within 3 years
multiple defaults within 6 years
Tell us about the defaults
?
none for 6+ years
one for less than £500 within 3 years
one for more than £500 within 3 years
multiple defaults within 6 years
Subscribe to our newsletter for useful content and updates to help you on your mortgage journey
?
Yes please
No thank you
What's your phone number?
?
Ok
press Enter
Show me my report
X
Back to form
${time}
${title}
By
continuing you agree to eKeeper Group
I agree to the GDPR terms and conditions.
By
continuing you agree to eKeeper Group
I agree to the FCA terms and conditions
Confirm
Please contact eKeeper
on 01275 4006650 or
Email Us
Now
Close
Alternatively, give us a bell on 01275 400650
We use cookies to give you the best online experience. By using our website you agree to our use of cookies in accordance with our cookie policy.
OK
