You don’t need to bring any documents. However, you can bring any that you wish to show us.
We start by confirming the information you gave us over the phone. Then outline a few things about the way we are paid. We let you know that we are paid a commission by the lenders. You don’t pay us anything. We also let you know that we are not biased toward any lender. Our commission is almost the same, regardless what lender we use, provided we use one of the “big 15”. It means that you wouldn’t save any money by approaching the lenders yourself, because they simply take the commission that they would have paid us.
After these preliminaries, we use our computer database and experience to run scenarios for different loans that may suit your circumstances. By the end of the meeting, we normally will have worked out a possible loan structure for you.
We give you a list of documents that you’ll need to get for us. We also give you a standard fact-finding questionnaire and ask you to fill it out and return it to us when we next meet. The questionnaire gives us a sense of your financial objectives and how they match your life circumstances. We are required by law to ask these questions in order to make sure we’re encouraging responsible lending.