Fact Find for Decision in Principle

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FACT FIND – FOR DECISION IN PRINCIPLE

APPLICANT DETAILS
APPLICANT 1 / APPLICANT 2
TITLE
FIRST NAME
MIDDLE NAMES
SURNAME
DATE OF BIRTH
MARITAL STATUS
NUMBER OF DEPENDENTS (AND AGES)
COUNTRY & TOWN OF BIRTH
BRITISH PASSPORT HOLDER?
EXPECTED RETIREMENT AGE
TELEPHONE NUMBERS / Home:
Work:
Mobile:
ADDRESS DETAILS: (confirm separately if applicant 2 address history differs)
CURRENT RESIDENTIAL ADDRESS INCLUDING POSTCODE (IN THE COUNTRY WHERE YOU CURRENTLY LIVE AND WORK)
DATE MOVED TO THIS ADDRESS
PREVIOUS ADDRESS IF APPLICABLE (if current address less than 3 yrs)
PLEASE PROVIDE FULL 3 YEARS ADDRESS HISTORY
DATES RESIDED AT THISADDRESS
ANY OTHER PREVIOUS ADDRESS (ENSURE FULL 3 YEARS ADDRESS HISTORY GIVEN)
DATES RESIDED AT THIS ADDRESS
CURRENT OVERSEAS RENTAL/ACCOMMODATION COSTS
DO YOU STILL HOLD A UK BANK ACCOUNT?
CONFIRM THE UK ADDRESS USED FOR BANKING PURPOSES
CONFIRM LENGTH OF TIME THIS ADDRESS HAS BEEN USED
WHOSE ADDRESS IS THIS? i.e.. parents?
IS POST BEING RE-DIRECTED TO YOU FROM THIS ADDRESS I.E. BANK STATEMENTS?
DATE LAST RESIDED IN UK
PREVIOUS UK ADDRESS
EMPLOYMENT DETAILS – APPLICANT 1
OCCUPATION
EMPLOYMENT STATUS (EMPLOYED, SELF EMPLOYED OR CONTRACTOR)
EMPLOYERS NAME & ADDRESS
EMPLOYERS TEL & FAX NUMBER
BRIEF DESCRIPTION OF EMPLOYER’S BUSINESS ACTIVITY
DATE EMPLOYMENT COMMENCED (IF LESS THAN 3 YEARS PLEASE ALSO DECLARE FULL 3 YR HISTORY)
GROSS ANNUAL SALARY IN THE CURRENCY YOU ARE PAID IN
AMOUNT OF BONUSES/OVERTIME/COMMISSION (CONFIRM WHETHER GUARANTEED)
NET MONTHLY INCOME (IN CURRENCY IT IS PAID IN)
ADDITIONAL BENEFITS PROVIDED
EMPLOYMENT DETAILS – APPLICANT 2
OCCUPATION
EMPLOYMENT STATUS (EMPLOYED, SELF EMPLOYED OR CONTRACTOR)
EMPLOYERS NAME & ADDRESS
EMPLOYERS TEL & FAX NUMBER
BRIEF DESCRIPTION OF EMPLOYER’S BUSINESS ACTIVITY
DATE EMPLOYMENT COMMENCED (IF LESS THAN 3 YEARS PLEASE ALSO DECLARE FULL 3 YR HISTORY)
GROSS ANNUAL SALARY IN THE CURRENCY YOU ARE PAID IN
AMOUNT OF BONUSES/OVERTIME/COMMISSION (CONFIRM WHETHER GUARANTEED)
NET MONTHLY INCOME (IN CURRENCY IT IS PAID IN)
ADDITIONAL BENEFITS PROVIDED
ALL PROPERTIES OWNED: (INCLUDING PROPERTY TO BE RE-MORTGAGED IF APPLICABLE)
FULL ADDRESS / LENDER / CURRENT VALUE / DATE PURCHASED / MORTGAGE O/S / MONTHLY PAYMENT / RENT RECEIVED
OTHER LIABILITIES:
TYPE OF COMMITMENT (E.G. CREDIT CARD/LOAN ETC) / LENDER / BALANCE OUTSTANDING / MONTHLY PAYMENT / REMAINING TERM OR END DATE
OTHER EXPENDITURE (for proposed new property if purchase or current expenditure if re-mortgaging)
Regular Expenditure
Food drink and clothing
Household goods and services
Utilities and council tax
Transport
Entertainment and recreation
Holidays
Non-Regular expenditure
Nursery/school/college/university fees
Maintenance payments
Miscellaneous goods and services
Any other expenditure
Life insurance or health premiums
ASSETS:
Please list all assets e.g cash, non-property investments. If savings/investments are not sufficient for full deposit needed, please confirm source of balance of deposit funds.
FULL POSTAL ADDRESS OF PROPERTY TO BE PURCHASED/RE-MORTGAGED
IF THE PROPERTY IS A FLAT PLEASE CONFIRM:
IS THE FLAT EX-COUNCIL
NUMBER OF STOREYS IN THE BLOCK
REMAINING TERM OF LEASE
AMOUNT OF GROUND RENT
SERVICE CHARGES
PURCHASE
PURCHASE PRICE
PROPERTY TYPE
EXPECTED MONTHLY RENTAL INCOME IF BTL
IF NEW BUILD CONFIRM
ESTIMATED COMPLETION DATE
SOURCE OF DEPOSIT (PLEASE CONFIRM FULL DETAILS I.E. SAVINGS, GIFTED ETC) Please note proof of funds will be required by the lender)
RE-MORTGAGE:
CONFIRM WHOSE NAME(S) PROPERTY IS CURRENTLY REGISTERED
PROPERTY TYPE
MONTHLY RENTAL INCOME
DATE PURCHASED
ESTIMATED CURRENT VALUATION
REASON FOR ANY CAPITAL RAISING
IF YOU ARE RAISING FUNDS TO PURCHASE ANOTHER PROPERTY PLEASE CONFIRM ANY ADDITIONAL FUNDS TO BE RAISED FOR THE PURCHASE
LOAN DETAILS:
LOAN AMOUNT REQUIRED
TERM REQUIRED
REPAYMENT METHOD (i.e. interest only or capital repayment)
ANY ADDITIONAL INFORMATION WHICH MAY BE RELEVANT TO YOUR APPLICATION:

PLEASE COMPLETE ALL OF THE ABOVE QUESTIONS GIVING AS MUCH INFORMATION AS POSSIBLE AS FAILURE TO DO SO WILL RESULT IN A DELAY IN US OBTAINING YOUR PRE-APPROVAL.

PLEASE ADVISE IF YOU HAVE HAD ANY CREDIT PROBLEMS IN THE PAST 6 YEARS INCLUDING ARREARS, REPOSSESSION, COUNTY COURT JUDGEMENT OR ANY OTHER INFORMATION WHICH MAY AFFECT YOUR CREDIT PROFILE. FAILURE TO DISCLOSE ANY INFORMATION UP FRONT MAY RESULT IN YOUR APPLICATION BEING SUBSEQUENTLY DECLINED WITHOUT ANY RIGHT TO APPEAL.

PLEASE NOTE WE DO NOT REQUIRE YOU TO PROVIDE US WITH ANY DOCUMENTS AT THIS STAGE.

BROKER FEES:

Broker fees. We obtain an agreement in principle with the lender (at no cost to yourself). Once this is obtained, we charge a £350 administration fee to package and submit the full application and a broker fee of £500 payable once the loan documentation has been issued by the lender. Instead of asking for the full £350 administration fee up front, we expect £175 to be paid to release the bank forms and the remaining £175 payable once we receive in your documents.

DISCLAIMER:Liquid Expat and Liquid Expat Mortgages are the trading styles of Complete Ltd. Complete Ltd is a Company registered in Hong Kong located at Suite 601-606, Harcourt House, 39 Gloucester Road, Wanchai, Hong Kong, Company No 1197743. Complete Ltd is not a lender, provider of advice or financial services. Complete Ltd provides introductions to financial services in respect of products and services either regulated by the Financial Conduct Authority (FCA) or to Offshore Lenders not regulated by the FCA. Complete Ltd is an introducer to a UK mortgage broker, Liquid Complete Limited, who is authorised and regulated by the Financial Conduct Authority and registered in England & Wales, Company No. 09438556, registered address: James House, 312 Ripponden Road, Oldham, Lancashire, OL4 2NY, England, and to other offshore companies and lenders.
The FCA does not regulate some investment mortgage contracts. Your home may be repossessed if you do not keep up payments on a mortgage or any debt secured against it.
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