The traditional method of applying for a mortgage has been to go into the local branch of your bank or building society for a face-to-face meeting. But there's no real need for this. Many lenders now accept applications via the telephone or Internet.
To speed up the application process, have ready your most recent P60 form, your three most recent payslips or your employment contract. If you are self-employed, you will normally need to provide accounts for the past three years.
Tip: Check whether you will have to pay for your own property valuation, legal fees and whether the lender charges an arrangement fee. It's important to have the money lined up for these at the outset.
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