What to do before you book an appointment
Find out how much you can borrow
Use our borrowing calculator to get an idea of how much you could borrow based on your income and monthly spending.
Check how much it’ll cost
You can use our repayment calculator to see our latest interest rates and see what your monthly mortgage payments might be.
Get an Agreement in Principle
You can do this online, and it won’t affect your credit score. It takes about 10 minutes and then you can book an appointment online with a mortgage adviser.
Need help with your mortgage?
Visit the support hub for all the latest mortgage information and to find out more about the government’s new Mortgage Charter.
Getting ready for your mortgage appointment
Your mortgage adviser will call or email you before your appointment to make sure that you have everything you need. You’ll need to upload your supporting documents and electronically sign the disclosure documents before the appointment. We’ll send you an email that explains how to do that. Alternatively, you can watch the video below.
How to upload your supporting documents and sign the disclosure documents
Follow this step-by-step guide to upload your supporting documents and electronically sign the disclosure documents before your mortgage appointment.
What you’ll need for your mortgage appointment
Documents you’ll need to upload before the appointment:
Before your appointment, you’ll also need electronically sign some documents – your mortgage adviser will send you this information by email.
-
Proof of your income (see below)
-
Existing mortgage protection
Information you’ll need during the appointment:
-
Details of the property you want to buy, including the building type, value, and full address. If it’s a leasehold property, we’ll also need to know the remaining term of the lease
-
Your solicitor’s details, whether you’re buying a property or adding or removing someone from a mortgage
-
Contact details for the person who’ll arrange access to the property for our surveyor – usually the estate agent or current owner
-
The sort code and account number of the account you’d like to make your mortgage payments from
-
Details of any mortgages you have with other lenders, including buy-to-let or permission-to-let mortgages
-
The current balance on any credit agreements in your name, such as loans, credit cards, car finance, and overdrafts(3).
-
Details of any life or critical illness policies you may have to protect your mortgage
Before your appointment, you’ll also need electronically sign some documents – your mortgage adviser will send you this information by email.
Documents you can use to prove your income
- Payslips from the last three months if you’re paid monthly
- Payslips from the last five weeks if you’re paid weekly
- If your salary isn’t paid into a Barclays account – the bank statement that shows the salary from your most recent payslip
- If you receive commission, monthly bonuses or overtime – your latest P60 form
- If you receive annual or quarterly bonuses – payslips that show each bonus.
- Your HMRC tax year overviews from the last two tax years. You can replace the most recent year with financial accounts produced by a qualified accountant
- Documents that show your tax calculations from the last two tax years. This can be printouts of your online submission from the HMRC website, calculations submitted to HMRC by a qualified accountant, or SA302 calculations provided by HMRC
- For limited companies, we need trading accounts for the most recent tax year. These must be produced by a qualified accountant and dated no more than 18 months before the date you send your mortgage application
Documents to prove income from benefits, maintenance, and pensions
Benefit income, including Child Benefit
We need one of the following documents:
- Latest statement from the Department for Work and Pensions, confirming the type of benefit and amount received
- For Child Benefit, your Department for Work and Pensions Child Benefit letter
- A bank statement for the last full month, showing your benefit payment.
Maintenance income
We need one of the following documents:
- The court order, Child Support Agency (CSA) or Child Services Maintenance arrangement
- Bank statements for the last three full months, showing that you receive these payments regularly.
Pension income
We need one of the following documents:
- A bank statement for the last full month showing the pension amount received
- Latest pension payslip showing the home address.
Alternatively, we’ll need bank statements for the last three full months, and one of the following:
- Pension statement
- Annuity or pension letter
- Pension P60.
Documents you need to read and understand
Before you apply for a mortgage, you need to understand what to expect from us – and what we expect from you. These documents are for information only, so you won’t need to sign them.
Residential mortgages
You only need to read one of these documents, depending on your circumstances.
Buy-to-let mortgages
You need to read the interest only buy-to-let declaration (PDF, 57KB) as well as one of the documents from below that matches your circumstances.
Frequently asked questions
It usually takes between two to six weeks. To get updates on your application status, use our Track It tool.
If you’re applying through a broker, it usually takes the same amount of time. We work closely with brokers to streamline the process and help you get the best deal.
It usually takes up to two weeks once you provide us with all of the required documents.
You can reapply any time after being declined, but it’s a good idea to address the reasons why you were declined first, such as improving your credit score. For more advice, read our guide on what to do if you’ve been declined by a lender.
You don’t have to get an Agreement in Principle (AiP) first, but it can strengthen your offer. It only takes 10 minutes to apply for an AiP online with us – if you’re ready to apply, discover how to get an AiP.
Guides to help
Greener homes
Find out how you could make your home more energy efficient and discover the latest offers available if you have a residential mortgage with us.
Guide to remortgaging
Find out why moving your mortgage to us from your current lender could be right for you – and how the remortgaging process works.
Get expert advice
Read our guides to find the right mortgage for you(4). You can also see if you’re eligible to apply for a 95% mortgage.
Was this page useful?
Your feedback helps us improve - please let us know by selecting yes or no
Call us on
0333 202 7580
We’re here Monday to Friday from 7am to 8pm, Saturdays and Sundays from 7am to 5pm, and on bank holidays from 9am to 5pm. To maintain a quality service, we may monitor or record phone calls. Call charges(5).
Join the 10 million Barclays app customers
Make money work for you by opening an account in a few simple steps. If the account’s just for you and you’re over 18, you can use our app.(6)
Important information
Mortgage adviser appointments are available when you are, Monday to Friday from 8am to 9pm, Saturdays from 8:30pm to 5pm and Sundays from 9am to 3:30pm, excluding bank holidays. (Return to reference)
Your home may be repossessed if you do not keep up repayments on your mortgage.(Return to reference)
If you plan to pay off any of these commitments, we might ask you to prove you have the money to do so.(Return to reference)
You can also check our full mortgage range [PDF, 298KB] to see if our other mortgages are suitable for you, download our tariff of mortgage charges [PDF, 265KB] and read our legal information. Subject to application, financial circumstances & borrowing history. T&Cs apply.(Return to reference)
If you call an 03 number, you’ll be charged your standard rate. Call charges(Return to reference)
You need to be 18 or over to access this product or service using the app. Terms and conditions apply.(Return to reference)