How to apply
Our website provides you with details of all the mortgage deals we currently offer. To apply for a mortgage with us, we ask you to discuss your application with one of our trained Personal Advisers. You can do this at any of our branches or by contacting us on 0845 601 3344.
Our Personal Adviser will recommend which of our mortgages will best suit your needs and circumstances. To do this, he or she will spend some time discussing with you your current and future requirements. You will be given a full mortgage illustration providing information about the mortgage recommended, the monthly repayment costs and any other associated charges and terms.
To help us process your mortgage application without delay, we will need to see:
- Proof of your identity
- Confirmation of current income
If you currently have a mortgage with another lender, we will also need a copy of your most recent mortgage statement
Proof of your identity
What you will need
When applying for a mortgage with us you will need to provide us with one item from List A and one item from List B:
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List A – Proof of name |
List B – Proof of address |
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A current signed passport or EU member state ID card |
A utility bill - less than 3 months old, not a mobile phone bill and not printed off the internet |
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A current UK photocard driving licence - showing your current address and an unexpired photograph |
A council tax bill for the current year |
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A current full UK old style driving licence
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A bank, building society or credit card statement - less than 3 months old and not printed off the internet |
| An HM Revenue & Customs tax notification e.g. tax assessment, statement of account or notice of coding (P45s and P60s are not accepted) - less than 12 months old |
A mortgage statement - less than 12 months old |
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Evidence of entitlement to state benefits, pension or tax credits - less than 12 months old |
A home / motor insurance certificate - less than 12 months old |
| A firearm’s certificate or shotgun licence |
A television licence renewal for the current year |
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A current Blue Badge disabled driver’s pass |
A student loans acceptance letter or annual statement - less than 12 months old |
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An older or disabled person’s bus pass issued by your local authority |
A local council rent card or local council tenancy agreeement |
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A UK Armed Forces ID card |
A local housing association tenancy agreement - private tenancy agreements are not accepted |
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A police warrant card |
A solicitor's letter confirming a recent house purchase or land registry confirmation - less than 3 months old |
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A current UK photocard driving licence - showing your current address and an unexpired photograph* |
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A current full UK old style driving licence* |
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HM Revenue & Customs correspondence for the current tax year* |
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Evidence of entitlement to state benefits, pension or tax credits - less than 12 months old* |
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* Please note that although some items appear in both lists you cannot use the same item to verify both your name and address – two separate items are required |
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We will take copies of the ID you have provided and retain these for our records. These are required to fulfil statutory obligations and will not be used for any other purposes.
If we cannot verify your identity, we will be unable to proceed with your application.
To confirm your income
Your last three months’ payslips and your previous year’s P60 tax certificate.
If you are self-employed we ask to see your trading accounts for the previous three years.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Contact us
Visit a branch
Find your local branch
Phone 0845 601 3344
Mon-Fri: 8:30am - 8:30pm
Sat: 9:00am - 6:00pm
Sun: 11:00am - 5:00pm
Request a callback
Let us call you
Email
enquiry@cambridgebs.co.uk
