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FAQs

Your Mortgage Questions Answered: Everything You Need to Know

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What documents do I need to apply for a mortgage?

To start your application, you’ll need proof of income, employment verification, recent tax returns, and a list of assets and liabilities. We’ll guide you through the specifics when you get in touch.

How can I find out how much I can borrow?

Discover your borrowing capacity by booking a free 20-minute consultation with us or using our online borrowing power calculator available on our website.

What types of mortgages do you offer?

We offer a range of mortgage solutions including fixed-rate, variable-rate, interest-only, and investment property loans tailored to meet your specific financial goals.

How does the mortgage application process work?

Our process begins with an initial consultation, followed by application preparation, document submission, and finally loan approval. We ensure clear communication and support at each step.

Can I apply for a mortgage if I am self-employed?

Absolutely, self-employed individuals can apply for mortgages with us. We will need additional documentation which we can discuss during your initial consultation.

What should I consider before refinancing my mortgage?

Consider your financial goals, current interest rates, the terms of your existing mortgage, and potential fees. We can help analyze whether refinancing is the right decision for you.

How long does the loan approval process take?

Generally, the approval process can take from a few days to a few weeks, depending on your specific circumstances and the completeness of your documentation.

How do I get started with Sensible Mortgage?

To get started, book a complimentary 20-minute call with us. This initial consultation is a great step towards understanding your options and beginning your journey with Sensible Mortgage.

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