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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?
I want to
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

Are any applicants first time buyers?
Would you like to borrow more money on your mortgage?

Mortgages with your eligibility rating

About you
Title
Date of birth
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)

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.

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

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

Current address

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.

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


About the joint applicant
Title
Date of birth
Does the joint applicant live at the same address as you?
Has the joint applicant lived there for the same period?
When did they move into this address?
More information about House name or house number
More information about House name or house number
Address

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

Current address

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.

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

Mortgages with your eligibility rating

About your financials
About the joint applicant's financials
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

Mortgages with your eligibility rating

Employment status
You are currently:

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 type of company do you own?

What were your dividends for the last 3 tax years?

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

Joint applicant's employment status
The joint applicant is currently:

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 type of company does the joint applicant own?

What were their dividends for the last 3 tax years?

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

Mortgages with your eligibility rating

Your expenditure details
Could the balance change before you take out a mortgage?
Do you have any loans?
Could your repayments change before you take out a mortgage?
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.

Could the combined balance change before you take out a mortgage?
Do the two of you have any loans?
Could your combined repayments change before you take out a mortgage?

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.

Experian Ltd is authorised and regulated by the Financial Conduct Authority (firm reference number 738097) – you can search the register on their website (opens in a new tab/window). Experian is registered with the Information Commissioner's Office (firm reference number Z6424480) – you can search the register on their website (opens in a new tab/window)

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Download as PDF document (opens in a new tab/window)
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*Experian acts as a credit broker and not a lender in the provision of its credit cards and personal, car finance and guarantor loans comparison services, meaning it will show you products offered by lenders and other brokers.

Experian acts independently and although your free Experian account shows products for a range of lenders and other brokers it does not cover the whole of the market, meaning other products may be available to you. Experian comparison services are provided free however we will receive commission payments from lenders or brokers we introduce you to. Information about the commission we receive from brokers for mortgages and secured loans can be found in our help section.

All free and paid for Experian consumer services are provided by Experian Ltd (registered number 653331). Experian Ltd is authorised and regulated by the Financial Conduct Authority (firm reference number 738097). Experian Ltd is registered in England and Wales with registered office at The Sir John Peace Building, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ. The web monitoring feature and its alerts within CreditExpert is not Financial Conduct Authority regulated activity.

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