Form Test | Your Prosperity

Please confirm the following

I have not filed for bankruptcy, been issued a county court judgement (CCJ), had my home repossessed or entered into an individual voluntary arrangement (IVA) in the last 6 years

In the past year, I have not taken a payday loan or defaulted on a mortgage, unsecured loan, credit card or bill payment.

How did you hear about Your Prosperity?

if "Other"

Please tell us where

/ "Other"

Mortgage overview

Please confirm that the details below are correct then continue

What is the purpose of your mortgage?
Buy a house
Remortgage

if "Buy a house"

What are you looking for?
My first purchase
Moving house
An additional property

if "My first purchase" or "An additional property"

Are you planning to live in the property or let it out?
Live in it
Let it out

/ "My first purchase" or "An additional property"

What is the value of the property you wish to purchase?

/ "Buy a house"

if "Remortgage"

Do you live in the property or let it out?
Live in it
Let it out

Why are you remortgaging?

What is the value of your property?

/ "Remortgage"

How much do you want to borrow?

How long do you want to borrow it for (in years)?

Will you be the only listed owner for this property?
A co-applicant doesn’t have to have an income to be named on the application, but does have to be named on the mortgage if they are named on the deeds.

Yes
No

if "No"

We will invite this person to view and edit this application

Please type it one more time

/ "No"

Your details

You can get most of these details from either your passport or your driver’s license. The more accurate the data entered here the less errors there will be in your application and the quicker your whole mortgage process will be!

How should we address you?

What’s your forename?
As on your passport or driving licence

What are your middle names?
As on your passport or driving licence

What’s your surname?
As on your passport or driving licence

Have you been known by this name since birth?
Yes
No

if "No"

What was your previous forename?

What were your previous middle names?

What was your previous surname?

When did you change your name?

/ "No"

What is your date of birth?

What is your UK phone number?

What is your nationality?

if not = "British"

What is your Visa status?

if not = "Indefinite leave to remain"

When does your Visa expire?

/ not = "Indefinite leave to remain"

/ not = "British"

What is your relationship status?

Your dependants

Do you have any dependants?
Yes
No

if "Yes"

Tell us about your dependants

What is the dependent’s date of birth?

What is the dependent’s forname?

What is the relationship of the dependent to you?

Remove dependant
Add dependant

/ "Yes"

Do you pay any school, nursery or childcare fees?
Yes
No

if "Yes"

How much do you pay per month?

/ "Yes"

Do you pay any maintenance?
Yes
No

if "Yes"

How much maintenance do you pay per month?

/ "Yes"

Your address history

Where have you lived for the last three years?

Enter your address

Enter address manually

if "Enter address manually" replace top field

Search again

/ "Enter address manually" replace top field

When did you start living at this address?

What type of occupants are you?

Remove address
Add address

Employment

You can get most of these details from either your payslip (if you are employed full/part-time) or your Tax Year Overview (SA302) from HMRC

What is your employment status?

if "Full-time"

Are you currently on any form of maternity/paternity leave?
Yes
No

if "Yes"

What is your maternity/paternity leave start date?

What is your maternity/paternity leave end date?

What will your gross salary be on return?

/ "Yes"

What’s the name of your employer?

What’s your employer’s address?

Enter address manually

if "Enter address manually" replace top field

Search again

/ "Enter address manually" replace top field

What’s your job title?

How are you employed?
Permanent
Temporarily

What is your current salary?

How much do you earn via overtime?

How much do you earn in bonuses?

How much do you earn via commission?

Do you have any other provable sources of income?
Yes
No

if "Yes"

Tell us about your other provable sources of income

Please select an income type

What is the amount of this income?

Remove income
Add income

/ "Yes"

What was your start date?

At what age do you plan to retire?

/ "Full-time"

if "Self-employed"

How are you self-employed?

What is the name of the organisation?

What is your organisation’s registered address?

Enter address manually

if "Enter address manually" replace top field

Search again

/ "Enter address manually" replace top field

When was your organisation registered?

if "Sole trader"

In what month does your accounting period start?

/ "Sole trader"

if not = "Sole trader"

What percentage of the organisation do you own?

/ not = "Sole trader"

How much in net profit was made for the most recent completed year?

How much was the turnover for for the most recent completed year?

Remove annual summary
Add annual summary

Do you have any other provable sources of income?
Yes
No

if "Yes"

Tell us about your other provable sources of income

Please select an income type

What is the amount of this income?

Remove income
Add income

/ "Yes"

What was your start date?

At what age do you plan to retire?

/ "Self-employed"

if "Contractor"

What is your job title?

How long is your contract?

What is your current day rate?

Do you have any other provable sources of income?
Yes
No

if "Yes"

Tell us about your other provable sources of income

Please select an income type

What is the amount of this income?

Remove income
Add income

/ "Yes"

What was your start date?

At what age do you plan to retire?

/ "Contractor"

if "Unemployed"

Do you have any provable sources of income?
Yes
No

if "Yes"

Tell us about your provable sources of income

Please select an income type

What is the amount of this income?

Remove income
Add income

/ "Yes"

At what age do you plan to retire?

/ "Unemployed"

if "Retired"

What is your current monthly pension income?

Do you have any provable sources of income?
Yes
No

if "Yes"

Tell us about your provable sources of income

Please select an income type

What is the amount of this income?

Remove income
Add income

/ "Yes"

/ "Retired"

Your credit commitments

Lenders will concider your commitments when assessing the affordability of your application. Please be as detailed as possible here – car finance, student loans and interest-free furnishings are all examples of obligations that affect your credit profile.

Do you have any of the following?
Credit or store cards
Personal loans
Hire purchase or lease agreements
Student loans

if "Credit or store cards"

Credit and store cards

Please select your credit card provider

if "Other"

What is the name of the credit card provider?

/ "Other"

What is the current balance of this card?

What is the credit limit of this card?

Do you pay this card off in full each month?
Yes
No

Is your card on a 0% introductory rate?
Yes
No

Will this card be cleared before the mortgage starts?
Yes
No

if "Yes"

How will this card be cleared?

/ "Yes"

Remove credit card
Add credit card

/ "Credit or store cards"

if "Personal loan"

Personal loan

Please select a loan provider

if "Other"

What is the name of the loan provider?

/ "Other"

Is this loan secured?
Yes
No

What is the outstanding balance of this loan?

What is the end date for this loan?

How much do you repay each month?

Will this loan be paid off before the mortgage starts?
Yes
No

if "Yes"

How will this loan be paid off?

/ "Yes"

Remove loan
Add loan

/ "Personal loan"

if "Hire purchase or lease agreements"

Agreements and leases

Who is the agreement with?

What is the outstanding balance?

How much do you repay each month?

Will this balance be paid off before the mortgage starts?
Yes
No

if "Yes"

How will this balance be paid off?

/ "Yes"

Remove agreement
Add agreement

/ "Hire purchase or lease agreements"

if "Student loans"

Student loans

What is the outstanding balance?

How much do you repay each month?

Will this balance be paid off before the mortgage starts?
Yes
No

if "Yes"

How will this balance be paid off?

/ "Yes"

Remove student loan
Add student loan

/ "Student loans"

Monthly outgoings

It might be handy to have a copy of your current account statements (or your banking apps open) here so you can total up all your direct debits and costs of living.

How much do you spend on insurance policies?

How much do you spend on travel?
You don’t need to include anything that is expensed

How much do you spend on food and drink, going out and social activities?

How much do you spend on repeating household goods and services?
This includes, for example, home maintenance, supplies, and any cleaning services

How much do you spend on clothing and footwear?

How much do you spend on utilities?
Please include any fuel bills, TV licence, telephone or internet plans and council tax in this estimate

How much do you spend on items and services unrelated to the above questions?
This may include costs relating to medical treatments, for example

Assets

How much do you have in savings?

What is the source of your deposit?

If you have a private pension, what is the value?

If you have any stocks and shares, what are their value?

What is the value of any UK properties you own?

Your property

Have you found a property yet?
Yes
No

if "Yes"

What’s the address of your property?

Enter address manually

if "Enter address manually" replace top field

Search again

/ "Enter address manually" replace top field

What type of property is it?

if "House" or "Bungalow"

What type of house is it?

/ "House" or "Bungalow"

if "Flat"

What type of flat is it?

What floor is the flat on?

How many storeys are there in the building in total
Building storeys start from 1, ie. the ground floor would be storey 1

Is this an ex-local authority (ex-council) property?
Yes
No

Is the flat above or adjacent to commercial property?
Yes
No

Does the flat have shared balcony access?
“Balcony access” means external front door along a shared balcony

Yes
No

/ "Flat"

What is the property’s tenure?

if "Share of freehold" or "Leasehold"

How many years are remaining on the lease?
If you have a share of freehold, a lease will be in place

How much are the annual service charge?

How much are the annual ground rent charges?

/ "Share of freehold" or "Leasehold"

How many bedrooms does the property have?

How many bathrooms does the property have?

How many kitchens does the property have?

What is the construction of the property?

Is the property a new build, or has it been converted in the last 12 months?
Yes
No

if "Yes"

Has the developer offered you any incentives?
Yes
No

if "Yes"

What is the value of the incentives the developer offered you?

/ "Yes"

What is the approximate year of the construction?
If the property is a new build, please enter the estimated completion year

Are you planning to use a shared ownership scheme for your new mortgage?
Yes
No

Does the property have a parking space or a garage?
Yes
No

/ "Yes"