Documentation Required for a Cape Verde Mortgage Application

Apply for a Cape Verde mortgage now.

Overseas lenders are keen to work with Assetz Finance because of the way we organise our clients’ applications and ensure that our clients submit full, clear and therefore very strong applications. We do not submit half-hearted applications that will automatically be refused by every lender and will waste everyone’s time. Our reputation is based on our ability to explain to clients exactly what they must provide with their application, assisting them with providing these documents and presenting them in a professional and successful way to our lenders.

The paperwork required for a Cape Verde mortgage application is fairly straightforward and very similar to a UK mortgage application.

If you require us to call your accountant or employer in order to obtain the necessary documentation directly from them, we can do so.

If you can think of anything else that we could do to help you get all of the necessary documents together, we would be only too happy to do so.

If you are concerned that you do not have some of the following documentation, talk to your Assetz Finance mortgage advisor about this as they may be able to find a solution (such as providing a slightly different document instead). Please call us on 0845 400 8000

The type of documents that you will generally need to submit:

1. Personal details
   
   • A certified copy of all borrowers' passports
   • A copy of a utility bill or council tax bill
2. Property details
   
   • Copy of the signed preliminary purchase agreement
   • Copy of the proof of ownership of the property from the seller (if a re-sale)

   If you are buying through Assetz Cape Verde, they will provide us with a copy of the above Property Paperwork if you require.

   If you are buying through another Estate Agent, you must either personally provide us with this Property Paperwork or must give us the contact details of your Estate Agent so that we can contact them and ask them for it.

3. Income
   For employed borrowers :
   • Copy of your last 3 months consecutive payslips
   • Copy of your most recent P60 (for tax year ending April 2007 if possible, or ending April 2006 if not applicable).
   • Original letter from your employer stating your salary, commissions, benefits, full job title, date employment commenced.
   For self-employed borrowers :
   • Copy of at least the last 2 consecutive personal tax declarations (ideally the last 3 if available)
   • An official letter from your chartered accountant stating your personal income from your company for the past 3 consecutive years and a projection for the coming year. You must provide the original letter and not a copy.
   All applicants
   • Copy of the last 3 months bank statements, for each borrower, for ALL accounts.

These must be full, consecutive months, any missing weeks or months will mean the application will be less successful. The lender will be using these statements to check that your income (from all sources: employment, rental, pension, investment) is being paid in regularly and to see what loans, mortgages etc you are paying out each month.

If the bank notices a transfer to another account, they may ask you to provide the last 3 months bank statements for that other account if they have not been provided.

If the bank notices a regular payment out each month that is not mentioned on your application form, they may ask what this amount is for.