Whether you’ve started your application, or you are keen to get prepared ahead of time – here is a list of the documents you will likely need to provide in your application.
Proof of identification and address
For money laundering purposes each applicant will have to provide all three items from the list below.
- Driving licence
- Utility Bill / Bank Statement / Mortgage Statement
All the above forms of identification and proof of address must be in date and in the correct name. If your passport or driving licence is still in your maiden name, then you will also have to supply a copy of your marriage certificate.
Proof of income
To prove your income to the lender, you may be asked for the below documents depending on your employment status.
- Last 3 months payslips (if applicable)
Last 3 months pay slips, with correct name and address.
- P60 (if applicable)
Latest years P60
- Accounts, tax calculations & overviews (if applicable)
Last 2 years accounts, tax calculations and tax overviews can be ordered from your accountant, but can take up to 2 weeks.
- 3 months bank statements
Last 3 months bank statements showing salary payments. These must have the correct name, address, sort code and account number.
- Benefits proof
All pages of your latest benefit statements.
- Any pension statements (if applicable)
Depending on what type of mortgage you are applying for the following additional documents may be required to support your application. Your mortgage broker will advise which specific documents are required for your application, but below are a few of the most commonly asked for supporting documents.
- Residential mortgage statements
Latest mortgage statement
- Proof of buy to let (rental bank statements)
Latest Buy to Let mortgage statements OR mortgage offers.
Last 3 months statements showing rental payments and tenancy agreements.
- Proof of deposit
3 months bank statements showing build-up of funds.
If gifted deposit – then a gifted deposit letter will be required (we can supply you with a template Letter), bank statement showing proof of income from gifter and photo ID of gifter.
Current life and building insurance cover, as well as confirmation of any sick pay or employer benefits.