Mortgage appointment checklist

Everything you need for your mortgage appointment

We understand that your initial journey to finding the right mortgage can feel a little daunting for some people.

Don’t worry; we are here to help and to take all the hard work out of looking for the best mortgage for you.

Your Embrace Financial Service adviser will talk you through all the necessary paperwork and help you with the fact find. Our aim is to make this experience as stress free and straightforward as possible for you.

To get the most out of our first appointment it would be really helpful if you could bring these documents.

  • Your last 3 payslips, if you are employed. If self-employed please bring your accounts or SA302.s for the last 3 years (if applicable)
  • Proof of your current address e.g. driving licence or utility bill from the last 3 months
  • Proof of identity e.g. passport, driving licence or a government issued document
  • Your last 3 months bank statements
  • Existing mortgage details if applicable
  • Existing protection documents if applicable
  • Details of any sick pay arrangements provided by your employer

Don't worry if you can't get all this information together for your initial appointment, we can still meet and discuss your requirements enabling us to help get you the best mortgage for your circumstances.

Customer guide to your financial services appointment via video call

We now offer meetings via video call using a system called Circuit.

Here are our tips for a successful meeting

  • We recommend the use of laptops wherever possible to ensure you get the best user experience.
  • As with all mediums of communication, consider the information you will be talking about - how will you ensure this remains confidential? When you are conducting the video call make sure you consider how your meeting space can remain private.
  • Consider how you can keep background noise to a minimum. If other people are around consider how you can avoid them gate-crashing your call!
  • Set up your camera so you have eye contact with your fellow attendees.
  • Does the lighting in the room you are in enhance or detract the call? Try different things such as facing a window, closing curtains or moving free standing lights.
  • What can other people see in the background? Ideally the background should be relatively neutral and not distracting.
  • Take a few minutes at the start of the call to ensure everyone on the call can see and hear each other.
  • Take your time! There is often a slight delay, either due to technology or the fact it is harder to pick up on non-verbal signals. Take things slower than you normally would. For example, pause once someone else has finished speaking to ensure that they have finished talking.


Frequently asked questions

I am concerned about the security aspect of the video call

EFS take the protection and security of all of our customer's data very seriously. Before we chose to use the Circuit system we conducted diligent research into all systems available and decided that Circuit offered the best encryption level for you and us.

If I am disconnected during a call, what should I do?

Try reconnecting to the call a couple of times in the first instance by clicking on the link that was sent to you. If this still does not work there is probably some other technical issue, so conduct some basic checks such as have you still got an internet connection or has the site crashed etc. You may need to revert to a standard phone call.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Embrace Financial Services usually charges a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £499 to £999 and this will be discussed and agreed with you at the earliest opportunity.

Book a mortgage appointment

Get in touch with your local Financial Adviser.

Book an appointment