Mortgages with your eligibility rating

This form takes a few minutes to complete.
We only calculate your eligibility rating for selected lenders but you'll see mortgages from all the lenders on our comparison service.
Once you've found a mortgage you're interested in, get advice from our expert broker, L&C.

Check what you'll need to complete your application

Your mortgage needs

How many people are applying?

Single application Joint application

I confirm that the second applicant has provided their permission to check their credit information. Checking the credit information of both applicants lets us calculate the chance of approval for a joint application.

I want to

Buy a property Remortgage my property

Have you made an offer on a property, or expect to in the next two weeks? More information

By knowing whether you have already found a property, our expert mortgage broker partner L&C, will be able to tailor their questions to best suit your needs

Yes No

Are any applicants first time buyers?

Yes No

Your deposit

Property price If you haven't found a property yet, give us an approximate amount you're looking to spend.

Mortgage term (years)

Current property value If you're not sure, you can estimate based on what you bought your property for and what similar houses in the area have sold for recently. You'll need to get a proper quote with an Estate Agent later on.

Balance of your existing mortgage You'll find this on your latest mortgage statement.

Mortgage term (years)

Would you like to borrow more money on your mortgage?

Yes No

How much extra do you want to borrow?

Why do you need to borrow more money?

Mortgages with your eligibility rating

About you

Title

Mr Mrs Miss Ms Dr

First name

Surname

Date of birth

Day

Month

Year

Email address More information

Email address

We'll email you the details of any products that you express an interest in - so it's important that you provide a valid email address. If you are worried about misuse of your email address, please review our privacy policy (opens in a new tab/window)

Main phone number More information

Main phone number

If you request a call back from a broker we will pass your details to them to discuss the product you expressed an interest in. They will often contact you by telephone so please provide the best number to get hold of you on, in the following format: 01161234567.

House name or house number More information about House name or house number

Postcode More information about House name or house number

Address Keyboard users please press Alt + up/down arrow to open selection drop down

Address

Sorry, we could not find your current address. Please enter it below.

Current address

Flat

House name

House number

Street

Town

Postcode

County

How many years have you lived here?

Please include a previous address

We see you haven't been at your current address more than 3 years. Please provide us with a previous address to ensure the accuracy of your eligible credit offers.

House name or house number More information about House name or house number

Postcode More information about House name or house number

Address Keyboard users please press Alt + up/down arrow to open selection drop down

Address

Sorry, we could not find your previous address. Please enter it below.

Previous address
(if you have been at your current address for less than 3 years)

Flat

House name

House number

Street

Town

Postcode

County

Residential Status? Which of the below best describes you right now?

About the joint applicant

Title

Mr Mrs Miss Ms Dr

First name

Last Name

Date of birth

Day

Month

Year

Does the joint applicant live at the same address as you?

Yes No

Has the joint applicant lived there for the same period?

Yes No

When did they move into this address?

Month

Year

House name or house number More information about House name or house number

Postcode More information about House name or house number

Address Keyboard users please press Alt + up/down arrow to open selection drop down

Address

Sorry, we could not find your current address. Please enter it below.

Current address

Flat

House name

House number

Street

Town

Postcode

County

How many years have they lived here?

Where did the joint applicant live previously?

Please include a previous address

We see they haven't been at their current address more than 3 years. Please provide us with a previous address to ensure the accuracy of your eligible credit offers.

House name or house number More information about House name or house number

Postcode More information about House name or house number

Address Keyboard users please press Alt + up/down arrow to open selection drop down

Address

Sorry, we could not find your previous address. Please enter it below.

Previous address
(if you have been at your current address for less than 3 years)

Flat

House name

House number

Street

Town

Postcode

County

What is the joint applicant's residential status?

Mortgages with your eligibility rating

About your financials

The age you expect to retire? Your borrowing options may be limited if you'll be over 75 at the end of the mortgage term. You can check the Government website for your state pension age (opens in a new tab/window) if you're not sure.

How long have you had a bank or building society account? This is usually the one your salary is paid into.

About the joint applicant's financials

What age do they expect to retire? Your borrowing options may be limited if they'll be over 75 at the end of the mortgage term. You can check the Government website for your state pension age (opens in a new tab/window) if you're not sure.

How long have they had a bank or building society account? This is usually the one their salary is paid into.

How many people are financially dependent on you? These could be children under 18, spouses or partners, parents or older children in full time education etc.

How many people are financially dependent on the both of you? If you or anyone else applying for a mortgage with you has someone financially dependent upon them, give the total number here. These could be children under 18, parents or older children in full time education etc

0 1 2 3 4 5

How many dependants do you have?

Mortgages with your eligibility rating

Employment status

You are currently:

Employed Self-Employed Other

Main annual gross income This is the amount you earn before tax and other deductions. It shouldn't include overtime, bonuses, commission or other non-guaranteed payments.

Other annual gross income from regular bonuses, commission or overtime Leave this blank if you don't have any.

Any other annual gross income This includes additional jobs, child maintenance, benefits, and income from investments, pensions or trusts. Income from buy-to-let properties should not be included here.

If you're self-employed, the lender will usually require more information.

You might need to provide 2-3 years' worth of accounts as further proof of your income.

What percentage of shares do you own in your company? If you own 20% or less shares, please select 'Employed' instead.

What type of company do you own?

Limited Company Partnership or sole trader

Your personal gross income This is the amount of money you earn from your business before tax and other deductions. It shouldn't include overtime, bonuses, commission or other non-guaranteed payments. Please note that this is NOT the same as your company's revenue.

What were your dividends for the last 3 tax years?

2019/20

2018/19

2017/18

What was your share of the profit for the last 3 tax years?

2019/20

2018/19

2017/18

How much gross UK taxable regular income do you receive annually? This is the amount of money you earn from your main job before tax, national insurance and other deductions (such as pension and student loans). It shouldn't include overtime, bonuses, commission or other unguaranteed payments.

Joint applicant's employment status

The joint applicant is currently:

Employed Self-Employed Other

The joint applicant's main annual gross income This is the amount of money they earn from their main job before tax, national insurance and other deductions (such as pension and student loans). It shouldn't include overtime, bonuses, commission or other unguaranteed.

Other annual gross income from regular bonuses, commission or overtime Leave this blank if they don't have any.

If the joint applicant is self-employed, the lender will usually require more information.

They might need to provide 2-3 years' worth of accounts as further proof of their income.

What percentage of shares does the joint applicant own in their company? If they own 20% or less shares, please select 'Employed' instead.

What type of company does the joint applicant own?

Limited Company Partnership or sole trader

Joint applicant's personal gross income This is the amount of money they earn from their limited company before tax, national insurance and other deductions (such as pension and student loans). It shouldn't include overtime, bonuses, commission or other unguaranteed payments. Please note that this is NOT the same as their company's revenue.

What were their dividends for the last 3 tax years?

2019/20

2018/19

2017/18

What was their share of the profit for the last 3 tax years?

2019/20

2018/19

2017/18

How much gross UK taxable regular income does the joint applicant receive annually? This is the amount of money they earn from their main job before tax, national insurance and other deductions (such as pension and student loans). It shouldn't include overtime, bonuses, commission or other unguaranteed.

Mortgages with your eligibility rating

Your expenditure details

How much is your total credit card, store card and overdraft balance? Balance is the amount of money you owe for your credit card, store card and overdraft.

Could the balance change before you take out a mortgage?

Yes No

How much will your new total credit balance be?

Do you have any loans?

Yes No

How much are your total monthly repayments? These usually would be personal or business related loans. This doesn't include mortgages, student loans or credit cards

Could your repayments change before you take out a mortgage?

Yes No

How much will your new total repayments be?

How much do you spend on other monthly financial commitments? This might be for child care, child maintenance, student loans, school fees, ground rent or service charge on the building you live in. It doesn't include regular payments such as utilities, food or fuel.

Your joint expenditure details

Please note, as you are applying for a Joint application, please combine the expenditure for both you and the joint applicant in this section.

How much is your combined credit card, store card and overdraft balance? Balance is the amount of money you owe for your credit card, store card and overdraft.

Could the combined balance change before you take out a mortgage?

Yes No

How much will your new total credit balance be?

Do the two of you have any loans?

Yes No

How much are your total monthly repayments? These usually would be personal or business related loans. This doesn't include mortgages, student loans or credit cards

Could your combined repayments change before you take out a mortgage?

Yes No

How much will your combined new monthly loan repayments be?

How much do the two of you spend on other monthly financial commitments? This might be for child care, child maintenance, student loans, school fees, ground rent or service charge on the building you live in. It doesn't include regular payments such as utilities, food or fuel.

Important information about using Experian to find a mortgage Please read all the information in the box below before viewing your results.

The types of mortgages you can find on Experian's comparison service

You can use Experian to search for repayment mortgages, including those with fixed, variable and tracker rates. We don't feature interest-only, buy-to-let or lifetime mortgages.

We will show you mortgages offered by selected lenders and other brokers but not deals that you can only get by going direct to a lender – this means other mortgages not shown may be available to you.

We only show first charge legal mortgages, available for personal use.

Experian comparison services are free to use

Experian comparison services are provided to you free of charge. Experian does not receive payment from providers for displaying products in our results tables. However, we will receive commission payments from lenders or brokers we introduce you to.

For example, for introducing you to a mortgage broker Experian will be paid a fee of (i) between £2 and £30, typically £2, or (ii) 25% of the broker’s revenue (broker revenue varies, typically it’s 0.36% of the mortgage and based on a £1,500 broker fee), or (iii) both of (i) and (ii).

How we calculate your Experian Eligibility Rating

When we provide you with your Experian Eligibility Rating, this is based solely on your credit information and the respective lender's known eligibility criteria. We don’t look at whether the mortgage is suitable for you and your financial needs.

Your eligibility rating helps you figure out which lenders’ mortgages you’re more likely to get.

You may wish to seek advice from a broker on how you should structure your mortgage, whether you can afford the payments now and in the future, whether the features of the mortgage are right for you and whether you should pay the fees upfront or add them on to your mortgage. This is not part of the Experian comparison service and will require expert advice to ensure that the mortgage is right for you.

You can request a callback from a mortgage broker who can give you advice on choosing a suitable mortgage.

Other credit options

If you're looking to increase your borrowing secured against your existing property, you should consider whether a new mortgage is right for you. There may be other options such as further lending from your existing lender, a second charge mortgage, or unsecured lending. If you’ve got an existing mortgage or debt you want to consolidate, a broker will be able to give you advice about this, as this is not part of the Experian comparison service.

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