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Our Mortgage Advice Service is free of charge. So if you are looking for additional borrowing for your National Counties mortgage and would like some help with the application process, why not give us a call?

Our team of qualified mortgage advisers will:

  • Complete a Fact Find with you over the phone.
  • Recommend a mortgage product from National Counties Building Society that suits your needs.
  • Guide you through the application process and be your point of contact should you have any queries up to completion.

What is a Fact Find?

The Financial Conduct Authority (FCA) introduced new rules on 26 April 2014, to make sure that when you take out a mortgage you can afford it and it suits your needs and circumstances. Since then all mortgage lenders - including National Counties, must check that you can afford your repayments now and in the future. To do this one of our Mortgage Advisers will collect information about your personal financial circumstances, including income and outgoings, via a series of questions which we call a Fact Find. We will also look at how a rise in interest rates might affect your ability to keep up with your monthly payments.

How long does the telephone call take?

You will need to have two telephone calls with one of our Mortgage Advisers. The first call should last around one and a half hours and the second call around half an hour.

The purpose of the first phone call is to go through the Fact Find. Once the Mortgage Adviser has collected the information we need, he / she will provide you with mortgage advice and recommend a mortgage product. At the end of this process you will receive a Key Facts Illustration (KFI) - an individual recommendation detailing which of our mortgage products might suit you best.

The purpose of the second call is to talk through the KFI, explain why the product we have recommended is suitable for your needs and what happens next.

How do I arrange a telephone call with a one of your Mortgage Advisers?

There are two ways to contact us - either via the call me back page on our website or by calling our New Mortgage Enquiry Team on 03300 243414. Opening hours are Monday to Friday: 8am - 5.30pm and Saturday 9am - noon.

What information will I need to have to hand before my telephone appointment?

You should ensure that you have a full breakdown of all your income as well as all your expenditure. For debts such as loans, credit cards or mortgages you should know all the outstanding balances as well as when they started and are due to end.

You will also need the policy details of any life insurance policies you hold along with details of any savings accounts or investments that you have.

We look forward to speaking with you!

Borrowers must be aged 18 years or over and to comply with legislation the Society will need to confirm identity prior to completion of the mortgage. Details of the identification needed will be supplied on request. Loans are subject to valuation and status. Additional security may be required