Thinking Time | Financial Planning for 2020 | Finance for Home Extension | Second Charge Mortgage | Mortgage For New Home

Thinking Time

Thinking Time 1024 576 NGI Residential Mortgages

Now that the excitement of Christmas Day and Boxing Day has passed, it’s not unusual to find yourself in a reflective mood. Often this is the ideal thinking time, when you can start planning for what you want to achieve in 2020. Perhaps you fancy a home extension, or you want to raise some money and explore the benefits of a second charge mortgage, or you might just be fed up with where you live and want a new home. This quiet time can be the perfect opportunity to make plans and start the New Year with a spring in your step.

Probably the one area that always causes some uncertainty is, “I know what I want, but how do I achieve it?” That is where a little bit of advice can be hugely beneficial. Seeking out the right company that can provide you with a fee free review, without any obligation, can be hugely rewarding.

However, before seeking professional advice there are some key items you will need to collate and the following is a checklist which should make sure you have everything you need:

  • Copy of your P60 (from your employer)
  • Copies of your last 3 month’s payslips
  • Proof of any benefits received
  • Copies of 3 utility bills (complete with your current address)
  • Copy of passport or driving licence (for proof of identity)
  • Copies of current bank statements from last 3 to 6 months
  • If self-employed a statement of accounts for your last 2 to 3 years of trading (your accountant should be able to provide this)
  • If you have income from more than one source or self-employed then a SA302 tax return form (if self-employed bank statements to accompany the SA302 would also be beneficial).