Get your options

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...

press Enter

What's your full name? i

press Enter

What's your email address? i

You'll be able to access your report at any time with your email.

Email already exists, please login.

Log inLog in to retrieve your report

press Enter

OK great, now let’s understand what you’re looking to do.

This should take about a minute.

press Enter

What would you like us to help you with? i

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.

Are you applying by yourself or with someone else? i

What is their gender? i

What is #his/her# name? i

press Enter

How old are you? i

press Enter

How old is #name#? i

press Enter

Will #name# own any other properties after this mortgage starts? i

Will you own any other properties after this mortgage starts? i

After this mortgage starts, will you have any other residential mortgages in place? i

Do not include BTL mortgages

After this mortgage starts, will #name# have any other residential mortgages in place? i

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?

Have you found a property yet? i

On a Help to Buy application we need to know the property price to work out the loan amount and income required. You can either scroll up back to the previous question and say you have a property in mind and put in your expectations for the price and type of property you want to buy or, alternatively you can call us.

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. i

What's the expected purchase price? i

press Enter

Do you own the property you live in at the moment? i

Have you owned a property before? i

Have either you or #name# owned a property before? i

How much do you have to put towards a deposit? i

press Enter

Where is the deposit coming from? i

If the deposit is coming from the sale of a house, 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.

press Enter

Who is gifting you the deposit? i

Is the equity in the home being gifted from immediate family? i

Where is the the deposit currently held? i

When will you move from your initial deal rate onto the lender's Standard Variable Rate (SVR)? i

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? i

What is the estimated value of your property? i

press Enter

How much do you owe on your mortgage? i

press Enter

How much are your monthly payments? i

press Enter

Do you want to borrow more on top of your existing mortgage? i

How much more would you like to borrow? i

press Enter

What will the extra money be used for? i

Excellent! Now let’s get an idea about the kind of property you’re looking to remortgage.

This shouldn’t take long.

press Enter

Is there a ground rent or service charge? i

What would be the monthly ground rent? i

press Enter

What would be the monthly service charge? i

press Enter

Is the property a: i

Is the house a: i

A house is usually freehold while a flat or maisonette is often leasehold or share of freehold

Is the flat a: i

A flat or maisonette is often leasehold or share of freehold while a house is usually freehold

Is it above or immediately next to business premises? i

Ok, what type of business premises? i

Is it a studio flat? i

Is it ex local council? i

Do any of the following apply to your property? i

Is the property of standard construction? i

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? i

Where is the property? i

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.

press Enter

Is there a ground rent or service charge? i

What would be the monthly ground rent? i

press Enter

What would be the monthly service charge? i

press Enter

Is the property a: i

Is this property a new build or newly refurbished? i

Is the house a: i

A house is usually freehold while a flat or maisonette is often leasehold or share of freehold

Is the flat a: i

A flat or maisonette is often leasehold or share of freehold while a house is usually freehold

Is it above or immediately next to business premises? i

Ok, what type of business premises? i

press Enter

Is it a studio flat? i

Is it ex local council? i

Do any of the following apply to the property? i

press Enter

Is the property of standard construction? i

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? i

press Enter

Where is the property? i

Sound’s good! Please tell us a little about your job role.

We’re almost there…

press Enter

What's your employment status? i

How long have you been in your current role? i

What is your basic annual salary before tax? i

press Enter

Have you received extra income from overtime, bonus or commission within the last 12 months? i

How much did you receive from overtime in the last 12 months? i

press Enter

What was the total amount of bonus payments you’ve received in the last 12 months? i

press Enter

How much did you receive from commission in the last 12 months? i

press Enter

Ok, are you a sole trader or a limited company director? i

How many year's accounts do you have? i

What was your net profit for the latest financial year? i

press Enter

What was your net profit for the year before that? i

What was the net profit for the second year?

press Enter

And what was your net profit for the year before that? i

What was the net profit for the third year?

press Enter

What was your director's salary for the latest financial year? i

press Enter

What were your company dividends for the latest financial year? i

press Enter

What were your operating profits before tax for the latest financial year? i

press Enter

What was your director's salary for the second latest financial year? i

press Enter

What were your company dividends for the second latest financial year? i

press Enter

What were your operating profits before tax for the second latest financial year? i

press Enter

What was your director's salary for the third latest financial year? i

press Enter

What were your company dividends for the third latest financial year? i

press Enter

What were your operating profits before tax for the third latest financial year? i

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

Are you working as an IT contractor? i

Which best describes your contracting status? i

How long have you been contracting on a fixed term? i

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

How long have you been contracting on a day rate? i

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.

How long have you been contracting on zero hours? i

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.

Right, let's work out the figures.

press Enter

What is your day rate before tax? i

press Enter

How many days do you work per week? i

press Enter

On average, how many weeks do you work per year? i

press Enter

How much will you be earning over the next 12 months? i

press Enter

How many months have you been contracting for? i

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

Which of these best fit #name#'s employment status? i

How long has #name# been in #his/her# current role? i

What is #his/her# basic annual salary before tax? i

press Enter

Has #name# received extra income from overtime, bonus or commission within the last 12 months? i

How much has #name# received from overtime in the last 12 months? i

press Enter

What was the total amount of bonus payments #name# received in the last 12 months? i

press Enter

Has any commission been paid to #name# in the last 12 months? i

press Enter

Is #name# a sole trader or a limited company director? i

How many years of accounts does #he/she# have? i

What was #name#'s net profit for the latest financial year? i

press Enter

What was #name#'s net profit for the year before that? i

press Enter

And what was #name#'s net profit for the financial year before that? i

press Enter

What was #name#'s director's salary for the latest financial year? i

press Enter

What was #his/her# company dividends for the latest financial year? i

press Enter

What was #his/her# operating profits before tax for the latest financial year? i

press Enter

What was #name#'s director's salary for the second latest financial year? i

press Enter

What was #his/her# company dividends for the second latest financial year? i

press Enter

What was #his/her# operating profits before tax for the second latest financial year? i

press Enter

What was #his/her# director's salary for the third latest financial year? i

press Enter

What was #his/her# company dividends for the third latest financial year? i

press Enter

What was #his/her# operating profits before tax for the third latest financial year? i

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

Is #name# working as an IT contractor? i

Which best describes #name#'s contracting status? i

How long has #he/she# been contracting on a fixed term? i

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

How long has #he/she# been contracting on a day rate? i

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

How long has #he/she# been contracting on zero hours? i

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

Lets work out the value of the contract.

press Enter

Day Rate? i

press Enter

Days worked per week? i

press Enter

Weeks worked per year? i

press Enter

How much will #name# be earning over the next 12 months? i

press Enter

How many months has #he/she# been contracting for? i

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

Is #name# unemployed? i

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

Thanks for that! And now we need to know about your residential details.

This should take about 30 seconds.

press Enter

Are you a UK or EU citizen? i

Which of the following residential status applies to you? i

How long have you lived in the UK? i

Is #name# a UK or EU citizen? i

Which of the following residential status applies to #name#? i

How long has #he/she# lived in the UK? i

Let’s take a look at your spending.

This should take about a minute.

press Enter

Have you ever had a payday loan? i

How recently did you repay the payday loan? i

Has #name# ever had a payday loan? i

How recently did #he/she# repay the payday loan? i

Do you have any dependants? i

How many dependants do you have? i

press Enter

What are the monthly costs for dependants living with you? e.g. childcare, nursery, school fees or elderly care costs i

press Enter

If any dependants aren't living with you, what are the child support or maintenance costs? i

press Enter

Do you pay into a pension? i

How much do you pay into a pension per month? i

press Enter

Do you have any credit agreements which need to be repaid? i

Such as student or unsecured loans, credit cards or hire purchase agreements

Are you paying off a student loan? i

How much do you repay for the student loans each month? i

press Enter

Do you have any credit cards? i

How many credit cards do you have? i

press Enter

What is the current outstanding balance for all credit cards? i

press Enter

What will the balance on these credit cards be after the mortgage starts? i

press Enter

Do you have any other unsecured loans? (e.g. personal loans) i

How many unsecured loans do you have? i

press Enter

What is the total balance of all unsecured loans? (excluding credit cards and loans secured against an asset) i

press Enter

What are the total current monthly payments on all unsecured loans? i

press Enter

What will the total monthly payments be on these unsecured loans after the mortgage starts? i

press Enter

Do you have any hire purchase / PCP loans? (e.g. car finance) i

How many hire purchase or PCP loans do you have? i

press Enter

What is the total balance of all your hire purchase / PCP loans? i

press Enter

What are the total current monthly payments on all hire purchase / PCP loans? i

press Enter

How much will you pay each month on these hire purchase / PCP loans be after the mortgage starts?? i

press Enter

Have you used your overdraft in the last 3 months? i

What is the current balance on your overdraft? i

press Enter

What will your overdraft balance be after the mortgage starts? i

press Enter

Does #name# have any dependents? i

Please don't count any dependants that you have already told us about earlier

How many dependants does #he/she# have? i

Please don't count any dependants that you have already told us about earlier

press Enter

What are the monthly costs for #name#'s dependants? e.g. childcare, nursery, school fees or elderly care costs i

Please don't count any dependant costs that you have already told us about earlier

press Enter

If any dependants aren't living with #name#, what are the child support or maintenance costs? i

Please don't count any dependant costs that you have already told us about earlier

press Enter

Does #he/she# pay into a pension? i

How much does #he/she# pay into the pensions per month? i

press Enter

Does #name# have any credit agreements which need to be repaid? i

Such as student or unsecured loans, credit cards or hire purchase agreements

Is #name# paying off a student loan? i

How much does #he/she# repay for the student loans each month? i

press Enter

Does #he/she# have any credit cards? i

How many credit cards does #he/she# have? i

press Enter

What is the current outstanding balance for all credit cards? i

press Enter

What will the balance on these credit cards be after the mortgage starts? i

press Enter

Does #he/she# have any other unsecured loans? (e.g. personal loans) i

How many other unsecured loans does #he/she# have? i

press Enter

What is the total balance of all #name#'s unsecured loans? (excluding credit cards and loans secured against an asset) i

press Enter

What are the total current monthly payments on all unsecured loans? i

press Enter

What will the total monthly payments be on these unsecured loans be after the mortgage starts? i

press Enter

Does #name# have any hire purchase or PCP loans? (e.g. car finance) i

How many hire purchase or PCP loans does #name# have? i

press Enter

What is the total balance of all their hire purchase or PCP loans? i

press Enter

What are the total current monthly payments on all hire purchase / PCP loans? i

press Enter

What will be the total monthly payments of these hire purchase or PCP loans after the mortgage starts? i

press Enter

Has #name# used #his/her# overdraft in the last three months? i

What is #name#'s outstanding overdraft balance? i

press Enter

After the mortgage starts, what will #his/her# overdraft balance be? i

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.

press Enter

Have you had any problems with your credit history? i

Have both of you had problems with adverse credit? i

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.

What do the credit issues relate to? i

Has #name# had any problems with #his/her# credit history? i

What do the credit issues relate to? i

How many CCJs have you had? i

How many CCJs have they had? i

How much were the total CCJs worth? i

When was the latest CCJ registered? i

Have the CCJs been satisfied? i

When was the latest CCJ satisfied? i

Tell us about the bankruptcy i

How many defaults have they had? i

How many defaults have you had? i

When was the latest default registered? i

How much were the total defaults worth? i

Have the defaults been satisfied? i

When was the latest default satisfied? i

${time} ${title}

You can call us on 0800 015 1772 : e-Mail us at info@blueberrymortgages.co.uk : or visit our website at www.blueberrymortgages.co.uk