Three Simple Steps to Get You Stasrted on Multi-Currency Mortgage:

1. Check your affordability & eligibility.
2. Complete & submit your applicaton.
3. Proceeding with your application.

STEP 1 Check your affordability & eligibility

First calculate how much you can borrow in relation to your income.Our lending limits are normally 5 times individual or joint gross (basic) income.

Generally, this must not exceed 80% of the purchase or valuation price of the property you are looking to buy (this is reduced to 75% with multi-currency options). However, in circumstances where you own a property or have money on deposit with Lloyds TSB, you may qualify for a loan up to 100% if you provide additional, suitable security.

STEP 2 Complete and submit your application

If you have any queries regarding your eligibility please contact our International Mortgage Team who will be happy to give you guidance regarding your requirements.

If you have found a property, would like to re-mortgage your existing property, or simply want to know how much you can borrow, please complete and return the application form and we will provide you with a decision in principle.

Simply fill out the application on our website or call us directly.

STEP 3 Proceeding with your application

Upon acceptance of our decision in principle, we will requireyou to submit supporting documentation to verify the information submitted in your application. Our documentary
requirements will be listed in your decision in principle letter, however, as an initial indication, this is likely to include:

Identification
- Certified, clear, black and white copy of valid ID /
Passport (s)
- Confirmation of address e.g. utility bill / tax
assessment / bank or credit card statement (these
must be within 3 months of date of issue)

Income and Assets
- Proof of gross and net income e.g. copy of latest 2 years’ tax returns / assessments, latest salary advice, employment contract or confirmation letter, etc
- Latest 3 months’ bank statements
- Latest month’s investment / portfolio valuation
- Latest month’s deposit valuation
- Proof of last 2 years’ bonuses e.g. pay slips, letter from company, bank statements
- Proof of deposit for down payment for purchase of new property

Self-employed
- Latest 2 years’ audited financial statements

Property and Legal information
- Name, address and contact details of the solicitor who will act for you in this transaction
- Access details of the property for valuation purposes e.g. confirmation of property address and contact telephone number
- A copy of the sale and purchase agreement (for new purchase)
- A copy of your tenancy agreement (if applicable)

Refinancing case
- Latest 6 months’ mortgage statements
- A copy of current building insurance policy
- A copy of latest tenacy agreement for refinancing

N.B. Documents mentioned in step 3 need to be true certified copies or originals. For further details on certification, please refer to "Certifying Your Passport and Documents' Sheet."