Mortgage topics

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Mortgage topics

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Frequently asked questions

What documents do I need to apply for a mortgage with Mortgage Lane?

You will usually need proof of identity, proof of income, bank statements and details of the property you are buying or investing in. The exact requirements depend on the mortgage product and your circumstances.

How long does it take to obtain a mortgage offer?

It depends on the lender, and each mortgage case is different. Digital mortgages can produce an offer quickly where the lender's automated checks are satisfied, while traditional lenders usually take longer. Cases that need more underwriting can take longer.

Do mortgage brokers charge fees?

Some mortgage brokers charge fees, while others do not charge the borrower directly. A broker may be paid by the customer, by the lender through a procuration fee, or by both. UK mortgage brokers must clearly disclose their fees and payment arrangements before the borrower proceeds.

How can a mortgage broker save you money?

A mortgage broker can save you money by comparing lenders for you and finding the mortgage options that fit your circumstances and the property, whether you are buying a new home or an investment property. Lenders treat age, employment status and non-standard property differently, and a broker knows how each lender treats them and which lenders have products only available through brokers. A broker also deals with the lenders on your behalf, so you do not have to approach each one yourself, and may be able to secure more favourable terms.

Talk it through with an adviser

Twenty minutes on the phone is usually enough to tell you what is realistic.

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