What documents will I need for my mortgage application?
Getting your paperwork together early makes a mortgage application far smoother. Here's a simple checklist of what lenders typically ask for.
By Ian Moore, Director
A mortgage application goes a lot more smoothly when your paperwork is ready. Here's a simple checklist of what lenders typically need.
Proof of identity and address
- A valid passport or driving licence
- Recent utility bills or council tax statements (usually dated within the last three months)
Proof of income
If you're employed, lenders usually ask for your last three months' payslips and your most recent P60. If you're self-employed, you'll typically need two to three years of accounts or SA302 tax calculations, along with the matching tax year overviews from HMRC.
Bank statements
Lenders usually ask for your last three months' personal bank statements. These help confirm your income and show your regular spending, so it's worth making sure they present a tidy picture.
Proof of deposit
You'll need to show where your deposit is coming from — for example, savings statements. If any of it is a gift from family, the lender will usually want a short letter confirming it.
A few tips
- Keep digital copies in one folder so they're easy to send
- Make sure names and addresses match across documents
- Tell us early about anything unusual — it's almost always easier to plan for upfront
How we can help
We'll give you a clear, personalised list at the start, check everything over before it goes to the lender, and keep things moving. You deal with us directly throughout — no being passed from pillar to post.
This article is general information, not personal advice. For help with your mortgage, please get in touch.