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Ocean Mortgages is a trading style of Ocean Finance and Mortgages Limited who are a licensed credit broker. Consumer Credit License Number 550081.

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Standard Checklist...

To ensure rapid completion of your mortgage enquiry it is advisable to spend a few minutes going through this checklist to ensure that we have all the correct information.

1. About Yourselves
   Please ensure that we have your correct legal names, for example if you are known as "Dave" but on your birth certificate your name is "David", then we must use the name on your birth certificate. Do you have any middle names that you do not use and therefore are not included on the enquiry form? If so, please insert any middle names as we must have these.
2. About Your Current Mortgage
   Please ensure all mortgage arrears (if any) have been clearly stated including the highest the arrears have been within the last 12 months. Also, you must advise us if there are any other loans secured on your property with any other companies. If so, we require your estimate of the current balance and name of the company. Please ensure that all persons who own the property are included on the enquiry form.
3. About Your Property
   In view of the current housing market please ensure that the current value of your property stated is realistic. We will probably have no idea of property prices in your area and therefore rely on you the customer to supply a realistic valuation figure. Your figure should be based on the selling price of similar properties in your area. If you purchased your property from the local council / housing association, the purchase price (on the form) is the value of your property provided by the council when you purchased it, before any discount.
4. About Your Mortgage Enquiry
   If you decide to change your mind after today, this could cause a delay, so therefore please ensure that:
   a) You are borrowing the correct amount required. (Please state the maximum amount you require). If for any reason we are unable to provide the full amount requested, we would NOT decline you, but would advise you of the maximum offer available. Your dedicated mortgage adviser will agree the term and monthly repayments with you.
   b) That you have considered carefully the Accident, Sickness and Involuntary Unemployment protection. The insurance page is a guide only and cover may vary slightly depending on your circumstances.
   c) If you do not wish to clear your mortgage with the new advance then you may require a loan instead. In this case please visit our loan site.