Documentation

WHAT DOCUMENTS WILL I NEED TO SUPPORT MY MORTGAGE APPLICATION?

When applying for a mortgage, the documents that you’ll need to provide will depend on your circumstances and whether you are buying or remortgaging your property.
These typically include photo identification, proof of your income, details of your credit history along with recent bank statements. We’ve compiled a list of documents that you may need to produce to support your application. Lenders may also request additional documents based on specific loan types or individual requirements.

WHAT DOCUMENTATION MAY BE REQUIRED?

There are a few items that the majority of applicants need to send.
Proof of identity; government-issued photo ID, typically…
Valid UK driving licence
Valid passport (and Home Office sharecode for non-UK passport holders)
If you do not have a valid driving licence or passport, please refer to the government’s proof of identity checklist – where? Add link.
Credit report, not always needed, but we can help you with this
Proof of income (see below)

FOR EMPLOYED APPLICANTS

Your 4 most recent payslips if paid monthly, or 16 most recent payslips if paid weekly
Your latest 4 months’ bank statements showing your salary being credited and matching the 4 payslips. If you use a different account to pay your household bills and for your day-to-day expenditure then the lender may ask for the corresponding 4 months from those accounts

FOR SELF–EMPLOYED APPLICANTS

Tax calculations and corresponding tax year overviews for the past 3 years
Your business accounts for the last 3 years (if you own a limited company)
Your latest 4 months’ bank statements showing your salary being credited. If you use a different account to pay your household bills and for your day-to-day expenditure then the lender may ask for the corresponding 4 months from those accounts
Latest 3 months’ business bank statements showing day-to-day expenditure