SWM Factfind

Step 1 of 11

Thank you for completing this factfind for Sterling Wealth & Mortgages

It is important to complete all fields that say (Required)

Is this a joint application?(Required)

Yes

Name of 2nd applicant

Personal details

Email(Required)

Enter Email Confirm Email

Name(Required)

Title First Middle Last

Has your surname changed in the last 5 years?(Required)

Yes

Previous surname(Required)

Date of birth(Required)

MM slash DD slash YYYY

Sex(Required)

Male

Female

Country of birth(Required)

Current nationality(Required)

Have you ever owned property in the UK?(Required)

Yes

Relationship details

Marital status(Required)

Single

To be married

Married

Civil partnership

Cohabiting

Separated

Divorced

Widowed

Relationship to other applicant

Contact preferences

SWM does not offer in-person meetings at this time

What is your MOST preferred method of contact?(Required)

Phone call

WhatsApp conversation

Video call

What is your LEAST preferred method of contact?(Required)

Phone call

WhatsApp conversation

Video call

ID details

Passport number(Required)

Passport country(Required)

Issue date(Required)

MM slash DD slash YYYY

Expiry date(Required)

MM slash DD slash YYYY

Proof of ID

Upload a copy of your passport

Drop files here or

Max. file size: 120 MB.

Address details (min. 5 years' history, please)

Current address(Required)

Street Address Address Line 2 City/Town County Post code

Residential status(Required)

Owner occupier

Private tenant

Living with family

Living with friends

Renting from local authority

Other

Have you lived here for more than 5 years?(Required)

Yes

When did you move to this address?(Required)

MM slash DD slash YYYY

Previous address(Required)

Street Address Address Line 2 City/Town County Post code

Residential status(Required)

Owner occupier

Private tenant

Living with family

Living with friends

Renting from local authority

Other

When did you move to this address?(Required)

MM slash DD slash YYYY

Please enter any additional address details below

Proof of address

Valid proofs of address that we accept include:

a) Council tax bill (<3 months)
b) Council tax annual statement (<12 months)
c) Bank or building society statement (<3 months)
d) Utility bill (<3 months) (note: not a mobile phone bill)
e) Valid, full UK driving license
f) Mortgage statement (<12 months)

Upload first proof of address

Drop files here or

Max. file size: 120 MB.

Upload second proof of address

Drop files here or

Max. file size: 120 MB.

Family & dependants

Do you have any child dependants that will live with you?(Required)

Yes

Please enter their names & dates of birth

Do you have any adult dependants that will live with you?(Required)

Yes

Please enter their names & dates of birth

Total monthly care costs for dependants (estimate)

Do you have any maintenance payments for dependants that do NOT live with you?(Required)

Yes

Total monthly maintenance payments (estimate)

Income details

National insurance number(Required)

What is your primary employment?(Required)

Salaried employee

PAYE agency worker/Zero-hours contract

Sole trader

Ltd company director (greater than 20% shareholding)

Ltd company director (less than 20% shareholding)

Home maker

Unemployed

Retired

Do you have a secondary employment?(Required)

Salaried employee

PAYE agency worker/Zero-hours contract

Sole trader

Ltd company director (greater than 20% shareholding)

Ltd company director (less than 20% shareholding)

Employment details

Do you have payslips covering at least 3 months?(Required)

Yes

Do you have any shareholding in the company you work for?(Required)

Yes

What % shareholder are you?

Please enter a number from 1 to 100.

Have you received dividends as ltd company director or shareholder?(Required)

Yes

Total dividends received in your most recent self-assessment (per year)

Start date(Required)

MM slash DD slash YYYY

Full-time or part-time?(Required)

Full-time

Part-time

Employment type(Required)

Permanent

Fixed-term

Temporary

Currently on probation period?(Required)

Yes

Job title(Required)

Employer name(Required)

Gross salary (per year)(Required)

Note: This is your pay before tax

Gross salary (per month)

Check this matches your most recent payslip

Do you receive any of the following?

Bonus

Commission

Overtime

Allowance(s)

Other

Bonus (total per year)

How many years have you received this bonus?

Commission (total per year)

How many years have you received this commission?

Overtime (total per year)

How many years have you received this overtime?

Allowances (total per year)

How many years have you received this allowance?

Other (total per year)

Please describe "other"

How many years have you received this other income?

Sole trader details

Have you been a sole trader for at least 12 months?(Required)

Yes

Start date(Required)

MM slash DD slash YYYY

Job title(Required)

Company name/Trading style

Do you have an accountant?(Required)

Yes

Accountant's name

Accountant's email

How many completed years of self-assessments do you have?

Total profits from most recent year

Total profits from 2nd year

Total profits from 3rd year

Ltd company details

Has your ltd company been incorporated for more than 12 months?(Required)

Yes

Directorship start date

MM slash DD slash YYYY

Company incorporation date

MM slash DD slash YYYY

Company name(Required)

Company number

Company address(Required)

Street Address Address Line 2 City County Post code

Your shareholding (%)(Required)

Please enter a number from 20 to 100.

Company's accountant name(Required)

Company's accountant email

How many completed years of full company accounts?

Most recent year - turnover

Most recent year - profits

Most recent year - your director's salary

Most recent year - your dividends

2nd year - turnover

2nd year - profits

2nd year - your director's salary

2nd year - your dividends

3rd year - turnover

3rd year - profits

3rd year - your director's salary

3rd year - your dividends

Other income details

Tick all sources of income that apply

Investment income

Rental income

Pension income

State benefits

Allowances not otherwise declared

Other

Please provide full details

Expenditure details

Please enter the MONTHLY equivalent

Do you currently have a mortgage?(Required)

Yes

Who is your current mortgage lender?(Required)

Mortgage account number(Required)

Usually found on mortgage statement letters or online account

Mortgage or rent (per month)(Required)

Utilities (per month)

Council tax (per month)

School fees (per month)

Student loan repayments (per month)

Voluntary additional pension contributions (per month)

Other committed expenditure details

Do you expect your total expenditure to change during the next 5 years?(Required)

Yes - increase

Yes - decrease

Credit commitments

Please enter additional details at the bottom of this page if you currently have more than 3 credit commitments

Do you have any existing credit commitments?(Required)

Please also include any commitments you have recently repaid (<3 months)

Yes

Commitment 1

Commitment 1 type

Credit card

Unsecured/Personal loan

Hire purchase

Overdraft

Lender name(Required)

Start date

MM slash DD slash YYYY

End date

MM slash DD slash YYYY

Total credit limit(Required)

Current credit card balance(Required)

Monthly payments

Do you typically pay off the full balance every month?(Required)

Yes

Unsure

Could you clear the full credit balance before the mortgage starts?(Required)

Yes

Unsure

How much could you repay?

Outstanding balance(Required)

Monthly repayments(Required)

Could you clear the full balance before the mortgage starts?(Required)

Yes

Unsure

How much could you repay?

Commitment 2

Commitment 2 type

Credit card

Unsecured/Personal loan

Hire purchase

Overdraft

Lender name(Required)

Start date

MM slash DD slash YYYY

End date

MM slash DD slash YYYY

Total credit limit(Required)

Current balance(Required)

Monthly payments(Required)

Do you typically pay off the full balance every month?(Required)

Yes

Unsure

Could you clear the full credit balance before the mortgage starts?(Required)

Yes

Unsure

How much could you repay?

Outstanding balance(Required)

Monthly repayments(Required)

Could you clear the full balance before the mortgage starts?(Required)

Yes

Unsure

How much could you repay?

Commitment 3

Commitment 3 type

Credit card

Unsecured/Personal loan

Hire purchase

Overdraft

Lender name(Required)

Start date

MM slash DD slash YYYY

End date

MM slash DD slash YYYY

Total credit limit(Required)

Current balance(Required)

Monthly payments(Required)

Do you typically pay off the full balance every month?(Required)

Yes

Unsure

Could you clear the full credit balance before the mortgage starts?(Required)

Yes

Unsure

How much could you repay?

Outstanding balance(Required)

Monthly repayments(Required)

Could you clear the full balance before the mortgage starts?(Required)

Yes

Unsure

How much could you repay?

Other credit commitments

If you have more than 3 credit commitments, please provide additional details

Credit history details

Upload a recent copy of your credit report

Experian, Equifax, and TransUnion are the 3 main UK credit reference agencies

Drop files here or

Max. file size: 120 MB.

Are you currently applying for additional credit or further borrowing other than this mortgage?(Required)

Yes

Have you had a credit or mortgage application refused in the last 12 months?(Required)

Yes

Have you been in arrears on borrowing or rent payments in the last 12 months?(Required)

Yes

Have you ever had a default registered against you or your business?(Required)

Yes

Have you ever been convicted of theft or fraud?(Required)

Yes

Have you had a CCJ registered against you or entered into an IVA?(Required)

CCJ = County Court Judgement. IVA = Individual Voluntary Agreement

Yes

Have you ever been declared bankrupt?(Required)

Yes

Please provide full details(Required)

Existing properties

Do you own any of the following?

Tick all that apply

Primary residential home

Buy-to-let property

Second/Holiday home

Commercial property

Home details

Mortgage balance(Required)

Estimated sale price(Required)

Buy-to-let properties

Number of BTL properties at the start of this application(Required)

Are you looking to refinance any of these properties?

Yes

Not now

Total value of all BTL properties(Required)

Total BTL mortgage balance(Required)

Current total gross rental income (per year)(Required)

Current total gross rental income (per month)

How many years have you recieved this level of rental income?

Less than a year

Previous total gross rental income (per year)(Required)

Previous total gross rental income (per month)

Second/Holiday home details

Please provide full details

Location, mortgage balance, date purchased, method of purchase, etc.

Commercial properties

Please provide full details

Location, mortgage balance, date purchased, method of purchase, type of commercial unit, etc.

Savings details

Personal UK savings(Required)

Funds from sale of current property

UK business savings

Funds from sale of other UK assets

Investments, pension, BTL properties, etc.

Are you receiving a gift?(Required)

Yes

Total gift amount

Are you using any non-Sterling income?(Required)

Yes

Please provide details

Total funds available to you for this mortgage

Ready to submit your SWM factfind?

Submit my details for review by my mortgage broker, Max Leslie (IFA)(Required)

I confirm that the details entered in this factfind are accurate to the best of my current knowledge and agree for Sterling Wealth & Mortgages to use this information for my mortgage application(s)

Upload additional documents for us to review

Drop files here or

Max. file size: 120 MB.

Comments

This field is for validation purposes and should be left unchanged.

Sterling Wealth & Mortgages Ltd is registered in England and Wales (company no. 13641079) with its registered and trading address at Penhurst House, 352-356 Battersea Park Road, London, SW11 3BY.

Sterling Wealth & Mortgages Ltd is an Appointed Representative (FRN 972302) of Performance Wealth Management Ltd, which is directly authorised and regulated by the Financial Conduct Authority (FRN 824132).