FILLING IN FORMS / 121 Do you – own you own home? GLYPH<c113> – rent? GLYPH<c113> – live with your parents? GLYPH<c113> – live in lodgings? GLYPH<c113> What is your total annual gross (before tax) income? Do you pay tax in the UK? Do you pay the higher rate of tax? Have you ever been refused credit? If ‘yes’ give details. What is your monthly expenditure? Insurance . . . Council tax . . . Heating . . . Electricity . . . Telephone . . . Water . . . TV licence . . . Car insurance . . . Car tax . . . Car repairs . . . Petrol . . . Child care . . . Food . . . Clothes . . . Entertainment . . . Other . . . Total monthly expenditure: Reason for mortgage: Buying first home GLYPH<c113> Second home GLYPH<c113> Moving GLYPH<c113> Amount of mortgage required: Signature: Date: Fig. 9. Form for opening a mortgage account.