First Time

Police Mortgages

online mortgage calculator

online mortgage calculator

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First Time Buyers

Getting your first mortgage need not be a hassle.

All we will need from you is an idea of what sort of property you want to buy, how much you earn and how much you can afford to pay each month for your mortgage.

Once we've got these details, we will use our computerised broker system to determine which of the 4,000 plus mortgage deals available is the right one for you. We'll give you a choice of mortgages and lenders and one of our independent mortgage advisors, assigned to your case, can advise you which one you should take advantage of.

We'll then get your mortgage approved in principal and also tell you how much you can borrow, all you have to do then is find the right property. Meanwhile we continue to track the mortgage markets and if a better deal comes along while you're looking for you property you can switch lenders right up to the last minute, so you won't get caught out.

If you need help to find a solicitor or surveyor you can trust, we can recommend practices that will work on a fixed fee basis. Best of all from the day you give the go ahead, you can track the progress of your mortgage and your house purchase through a dedicated administrator who will also be assigned to your case.

Above all we're here to help you so if you're not sure what to do, or simply want some advice or our complimentary Guide to Home Buying, call us on
0845 1306 121.

Your home may be repossessed if you do not keep up repayments on your mortgage.

First Time Buyer Questionnaire

This questionnaire is provided for you to tell us about your current situation, enabling us to respond to your particular needs.

Please complete and click on the submit button under the questionnaire.

Many thanks.

YOUR CURRENT SITUATION

Date (dd/mm/yyyy):
How did you hear about us?
Who recommended you? (if applicable)
Have you contacted us before?:		Yes No
If YES, name of past contact:
	Applicant 1	Applicant 2
Surname(s):
First name(s):
Address (line 1):
Address (line 2):
Address (line 3):
County:
Postcode:
How long at this address?	(years & months)	(years & months)
Email:
Tel (Home):
Tel (Work):
Tel (Mobile):
Smoker?	Yes No	Yes No
Date Of Birth:	(dd/mm/yyyy)	(dd/mm/yyyy)
Rank:
Other:
Detective?	Yes No	Yes No
Length Of Service:
Which Police Force:
First time buyer:	Yes No	Yes No
How many children do you have?
And their ages?
How much do you earn before deductions?	£pa	£pa
How much of this is your basic pay (+ fixed allowances)?	£pa	£pa
How much is your average monthly take home pay?	£pm	£pm

If you have any Loans/HP/Credit Cards, please list them all below:

	APPLICANT 1
	Monthly Costs	Balance Owing	Expiry Date (dd/mm/yyyy)	Purpose and Loan Co.
1	£	£
2	£	£
3	£	£
4	£	£
5	£	£
6	£	£

	APPLICANT 2
	Monthly Costs	Balance Owing	Expiry Date (dd/mm/yyyy)	Purpose and Loan Co.
1	£	£
2	£	£
3	£	£
4	£	£
5	£	£
6	£	£


	Applicant 1	Applicant 2
Do you have a good clean credit history?	Yes No	Yes No
If no, please disclose any arrears, CCJ's, defaults, bankruptcies or IVA's:
Have you received any mortgage quotes elsewhere?		Yes No
If yes, which do you like best:


YOUR FUTURE PLANS

What is the purchase price of your new property (if known)?			£
Do you want to borrow additional money with your new mortgage?	Yes No
If yes, how much extra do you want to borrow?			£
What would you use this extra money for:
How much in Total do you want to borrow?			£
What types of mortgages are you interested in (if known)?	Fixed	Discounted	Cashback	Other
	100%	Flexible	Buy to let	Tracker
	Offset	Daily interest
If other, e.g. capped rates, please describe:
Have you had an 'Offer' accepted on a property?			Yes No
If no, when are you looking to buy (dd/mm/yyyy)?
If yes, when was your offer accepted (dd/mm/yyyy)?
What is the address of the new property (including postcode)?
What type of property is it (if known; e.g "3 bedroom semi detached house")?
When was it built (if known)?
Estate Agent Details:
Company Name:
Tel:
Contact Name:

Is this for?	Sale only		Sale and purchase
Solicitor/Conveyancer Details
Have you instructed a Solicitor/Conveyancer yet?			Yes No
If yes, please provide details:
Company Name
Company Address
Post Code
Telephone
How much is your quote, including all disbursements?: £
If no, can we provide you with a quote?			Yes No
Your monthly budget:
What is your maximum budget for your new mortgage, including and allowing for buildings & contents insurance and your protection policies?			£ per mth
	Applicant 1		Applicant 2
If you have Loans/HP/Credit Cards, it may be possible to rearrange some (or all) of these within your mortgage. If you can, would you want to consider this only if it saves you a considerable amount each month e.g. £100-£300?	Yes No		Yes No
Are you planning to take out any personal loans shortly?	Yes No		Yes No
If yes, how much for (approx)?	£		£
If your partner died tomorrow, how much income would you need (or want) to maintain your living standards?	£		£
Would you want this income to decrease in value or keep up with inflation?	Decrease Keep Up		Decrease Keep Up
If you were off sick or ill for a long time, would you want to make sure your mortgage payments and other commitments could be paid until you return to work?	Yes No		Yes No
If you were made disabled tomorrow, would you want to repay your mortgage off?	Yes No		Yes No
If you suffered a heart attack (or a stroke) or were diagnosed as having cancer, MS or some other critical illness, would you rather lose your home or your mortgage?	Home Mortgage		Home Mortgage

Data Protection Declaration Hatch Mortgage Services Ltd and Home of Choice Ltd will process all information in accordance with the Data Protection Act 1998 and it will be treated as private and confidential now and in the future. The only exceptions to this will be when the law requires us to disclose information or, with your consent, where disclosure is necessary when arranging or servicing your mortgage or protection contracts. To fulfil our regulatory obligations, we will retain copies of your records for no longer than is necessary or for the duration of any contract you may enter into. You have the right to inspect these records at any time.
I HAVE READ AND AGREE TO DATA PROTECTION DECLARATION

Our Future Relationship Our ongoing business relationship with you is important and we would like to be able to contact you by telephone, post or email from time to time to review your mortgage and associated protection product arrangements and introduce other services that may be of interest to you from ourselves or our associted companies.
I AGREE TO FURTHER CONTACT AS DESCRIBED ABOVE IN OUR FUTURE RELATIONSHIP

NOW PRESS SUBMIT
or

Policemortgages.co.uk is the website address for Hatch Mortgage Services Ltd, part of The Hatch Associates Group. Hatch Mortgage Services Ltd is an appointed representative of Home of Choice Ltd, which is authorised and regulated by the Financial Services Authority. Written details available upon request. Lenders terms and conditions apply.
Loans subject to status. Deposit and insurance may be required. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOAN SECURED ON IT.
PRIVACY POLICY