To apply for a UK mortgage, you’ll usually need:

• Proof of identity (valid passport, driving licence, national ID card)
• Proof of address (recent utility bill or bank statement)
• Proof of income (payslips or annual self-assessments or financial accounts)
• Bank statements
• Credit report

Requirements can vary depending on your visa, employment type, or how long you’ve lived in the UK. A broker can confirm exactly what your chosen lender needs.

As a first-time buyer in the UK, your deposit can come from personal savings, a gift from family, or a government scheme available. If your deposit is a gift from a family member, most lenders will ask for a Gifted Deposit Letter confirming the money is a non-repayable gift and that the giftor has no legal interest in the property. They may also request the giftor’s ID and proof of where the funds came from. Some lenders may also consider gifts from non-family members, but this depends on their individual criteria. It’s best to speak with a mortgage broker who can explore the options and find lenders open to your situation.

Most UK lenders require a minimum deposit of 5% to 10% of the property price. A larger deposit (15%–25%) can help you access lower interest rates and improve your chances of approval, especially if you’re self-employed, have limited credit history, or are new to the UK. Some lenders may consider 0% or sub-5% deposits, but these come with strict criteria.It’s best to speak with a mortgage broker to find out what’s available for your situation.

You should start looking at remortgage options about 3-6 months before your current deal ends. Remortgaging can help you get a better interest rate, reduce your monthly payments, or release equity for home improvements. If you’re a Romanian homeowner in the UK, a broker can help you compare lenders and find the most suitable new deal.

Yes, you can sometimes combine existing debts (like credit cards or personal loans) into your mortgage. This may lower your monthly payments, but it can also increase the total interest paid over time. Before deciding, speak with a qualified mortgage broker to check if this option is right for your financial situation.