Questions for Your Mortgage Adviser or Lender

A mortgage is a significant financial commitment. We do not recommend mortgage products or assess affordability. Take questions about borrowing and your personal circumstances to your lender or an FCA-authorised mortgage adviser, and check the firm’s permissions if you need advice.

• What mortgage amount and monthly payment are you assessing, and what assumptions are included?
• What interest rate, initial period and follow-on rate apply, and when could the payment change?
• What fees, valuation costs, early repayment charges or other conditions should I understand?
• How could the mortgage offer be affected if the valuation, survey or purchase price changes?
• What deposit evidence and source-of-funds documents will be required?
• If I am using an ISA, Lifetime ISA or another savings scheme, what eligibility, withdrawal, timing or bonus rules should I confirm with the provider and conveyancer?
• How long is the offer valid, and what happens if completion is delayed?
• What protection or insurance products are optional, and who is authorised to advise me about them?
• What should I do if my income, circumstances or the property changes before completion?
• Who can I contact to discuss the illustration and suitability in detail?

Do not rely on a home surveyor or this website to tell you which mortgage to choose. Check the adviser or firm using the FCA Firm Checker.