How much can I borrow?

HOW MUCH CAN YOU BORROW?

How much can you borrow?

An Agreement In Principle (AIP) is a great way to find out how much you can borrow. It should take less than 15 minutes to fill in the form, we will then use our expert knowledge to research the lender who matches your requirements, and obtain an AIP.

What you'll need:

• Income - This will need to match the amounts shown on your proof of income documents e.g. payslips. (see 'Documents & Information' for more info)

• Outgoings - An accurate reflection of your financial commitments.

• Addresses - For the last three years.

• About 15 minutes - It shouldn't take much longer than that.

What you'll get:

• We'll let you know the maximum amount you can borrow over your maximum term, based on when you plan to retire (subject to full underwriting by the lender).

• After you receive your AIP and are ready to apply for your full mortgage offer, we will meet you to discuss your needs further and provide you with a personalised recommendation.

Initial Disclosure Documents

Documents & Information

AIP request

Name 1 (full legal name & title of client 1)

Name 1 (full legal name & title of client 2 if applicable)

Phone number (client 1)

Phone number (client 2)

Email (client 1)

Email (client 2)

Previous Name (including date changed - client 1)

Previous Name (including date changed - client 2)

Date of Birth (client 1)

Date of Birth (client 2)

Current address (client 1)

Current Address (Client 2)

Date moved into current address (client 1)

Date moved into current address (client 2)

Residential Status (client 1)

Residential Status (client 2)

Three year address history & dates (client 1)

Three year address history & dates (client 2)

Number of dependent children & their age(s)

Other occupants to live at the property (over the age of 17):

Marital status (client 1)

Marital status (client 2)

Country of nationality & residence (client 1)

Country of nationality & residence (client 2)

Employment type (client 1)

Employment type (client 2)

Occupation (client 1)

Occupation (client 2)

Employer Name & Address (Client 1)

Employer Name & Address (Client 2)

Date started with current employer (client 1)

Date started with current employer (client 2)

Retirement age (client 1)

Retirement age (client 2)

Income

Lenders use a detailed breakdown of your income - we recommend sending us your last 3 payslips or 3 years self-employed income (see our self-employed page) so that we can be as accurate as possible.

Gross Basic Income (client 1)

Gross basic income (client 2)

Other Income (client 1)

Other income (client 2)

3 Years self-employed income (client 1)

3 years self-employed income (client 2)

Current Mortgage

Lender

Amount Outstanding

Monthly Payments

Repayment type

Account number

Term

Property value

To be repaid

Early repayment charge

Credit Commitments

All current and future credit commitments must be included as they will show up on the lenders credit check and could impact the result (don't inculde bills like mobile phone etc). For credit cards that are repaid in full, please use the latest statement balance.

If you plan to repay any credit before the mortgage starts, please tell us in the notes section

Commitment 1: Type

Provider

Balance

Payments

Belongs to

Commitment 2: Type

Provider

Balance

Payments

Belongs to

Commitment 3: Type

Provider

Balance

Payments

Belongs to

Commitment 4: Type

Provider

Balance

Payments

Belongs to

Commitment 5: Type

Provider

Balance

Payments

Belongs to

Commitment 6: Type

Provider

Balance

Payments

Belongs to

Commitment 7: Type

Provider

Balance

Payments

Belongs to

Commitment 8: Type

New Field:

Balance

Payments

Belongs to

Additional commitments/ notes

Child Care and Maintenance payments

Ever had CCJ, Bankruptcy or IVA (client 1)

Ever had CCJ, Bankruptcy or IVA (client 2)

Credit history

Mortgage/ client type

Deposit

Mortgage amount required

Property details (if known)

Additional information

Consent

Client 1: I consent to credit & fraud checks

Client 2: I consent to credit & fraud checks

Client Agreement (see initial disclosure documents above)

Client 1: I have read and agreed to the Terms & Conditions and Client Agreement

Client 2: I have read and agreed to the Terms & Conditions and Client Agreement

By submitting this form you confirm that you:

Have permission of any joint applicant to enter their details.
Give us authority to process and pass the details provided to 3rd parties and their agents, for any lawful reason including; identity checks, credit scoring and crime prevention. This may leave a footprint on your credit file.
Have read and accepted our Initial Disclosure Document, Terms & Conditions and Client Agreement (Initial Disclosure Documents above) as well as the Terms of Use and Privacy Policy (within the Documents & Information page)
You agree that we may contact you to discuss your situation further

We will not use the details provided on this page for any other marketing purposes. At this stage, no advice has been given.

Your property may be repossessed if you do not keep up repayments on your mortgage

Our Privacy Notice can be found on the Documents & Information page

KG Mortgages Limited trading as KG Mortgages is authorised and regulated by the Financial Conduct Authority (FCA number 997891).

Company registered in England & Wales no. 12984634

Registered Address: Suites 2 & 3 Marine Trade Centre, Lockside, Brighton Marina, Brighton, United Kingdom, BN2 5HA

KG Mortgages Limited

39 Parsonage Road, Horsham, RH12 4AW

01403 250700

info@kgmortgages.co.uk

This website is aimed at UK Residents only

AIP request

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