FAQ Category: Mortgages

  • What proof of income do I need?

    3 October 2023
    We need the last three months' payslips and the latest P60 for employed applicants. And for self-employed applicants, we need…

  • Can The Stafford recommend a solicitor?

    3 October 2023
    No.

  • Conveyancing

    3 October 2023
    The Stafford doesn’t recommend a particular solicitor or licensed conveyancer. The Society does not use sole practitioner solicitors.

  • What is Stamp Duty?

    3 October 2023
    Stamp duty is a tax payable by the purchaser of the property and is paid by the solicitor or licenced…

  • What are search fees?

    3 October 2023
    You’ll need to pay local search fees if you're buying a property. A search provides information about your property and…

  • What are the solicitor’s fees?

    3 October 2023
    These fees will typically depend on the size of the property. They will include a Land Registry fee, the solicitor's…

  • Can I submit my details by email?

    3 October 2023
    Please be aware we cannot provide any account-specific information by email, we will never ask for your personal or account…

  • How long is the mortgage process?

    3 October 2023
    From receiving your application to issuing a mortgage offer usually takes three weeks. This is subject to the employer’s references…

  • Will my interest rate change?

    25 September 2023
    The mortgage rates The Stafford charges aren’t fixed or capped and don’t track the Bank Base Rate. This means that,…