In Scotland your solicitor will also put in your offer and negotiate for you. They’ll check who owns the property you want to buy, what’s included in the sale and whether there are any clauses in the property’s deeds you or your lender need to be aware of.
The legal side of buying and selling a property can be carried out by either a solicitor or licensed conveyancer. When we've checked all your details and documents and are happy that everything is okay, we’ll send you a mortgage offer in the post. In Scotland, sellers must provide a Home Report which includes a survey, Energy Performance Certificate and Property Questionnaire. This is to make sure the property is worth the amount you've asked to borrow. We'll also arrange for the property to be valued. Help you to find the right insurance and protection for your needs, such as home insurance and Life Cover.Talk to you about valuation schemes and explain your options.Carry out background checks with a Credit Reference Agency.Give you an illustration which sets out the total cost and terms of the mortgage.Ask about your needs and circumstances and recommend our most suitable mortgages.Details of any existing home, life or critical illness insurance policies you already have.Details of the property you want to buy.
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Proof of your identity, such as your passport, driving license and utility bills.Documents to prove your income, such as pay slips, recent bank statements and details of any financial commitments.Please make sure you have the following ready: This helps to save time and means we can spend more of your appointment trying to find the right deal for your needs. We're closed on Sundays and Bank Holidays.įind out more about booking a branch appointment >īefore you speak to us, it will help if you can get some documents and details together. Our lines are open Monday to Friday 8am - 8pm and Saturday 9am - 4pm. To talk to us by video call or over the phone, please call us on 03. If you’re applying with someone else, please choose a date and time when you're both available. If you'd rather talk to us in person, you can book an appointment at your nearest branch. You can choose to talk to us on the phone or by video call. If you'd like some expert guidance with your application, our Mortgage Advisers are ready to help.
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