Mortgage appointment checklist

There are lots of documents and information needed when you’re making a mortgage application. 

The more documents you can bring to your initial mortgage appointment with Embrace Financial Services, the quicker you'll be able to get moving. They've put together a handy appointment checklist - but don't worry if you're not able to find every document. 

What to bring to your first mortgage appointment

Proof of identity

  • Form of identity (eg. passport or driving licence)

Proof of income

  • Employers’ details for the last 3 years (name, address, telephone number and dates you were employed there)
  • 13 weeks’ or 3 months’ payslips
  • Latest P60 (usually issued by your employer in April/May)
  • Last 2 years’ copies of SA302s/audited accounts (if self-employed)
  • Bank statements (latest 3 months)
  • Your latest annual mortgage statement
  • Details of existing outgoings including details of other loan commitments

Proof of address

  • Your full address history (to cover at least the last 3 years)
  • Proof of residency (eg. utility bill or bank statement, dated in last 3 months)

Additional information

  • Proof of deposit
  • Details of all existing personal and mortgage related insurance
  • Employment benefits (eg. sick pay, pensions)
  • New property details (only if not purchasing through Your Move)

Please make sure you bring original documents with you to your first mortgage appointment. 

Mortgage advice

We now work in partnership with Embrace Financial Services who provide mortgage advice. They offer a comprehensive range of mortgage products from across the market.

Speak to the mortgage advisers and they can help and guide you through the whole mortgage process, from the very first appointment which can be done in a branch or over the phone. 

Book your appointment


Your initial mortgage appointment is without obligation. Embrace Financial Services normally charge a fee for their services; however, it is payable only on the submission of your mortgage application. The fee will depend on your circumstances but the standard fee is £549. Complex cases usually attract a higher fee. Embrace Financial Services will discuss and agree the fee with you prior to submitting any mortgage application.