(One of the below)
- Valid Passport
- Valid Driving Licence
- EU/EEA National Identity Card
- Northern Ireland Voters Card
- Firearms certificate or shotgun licence
Why do we need your documents?
It’s your documents that dictate if a lender will finally approve a mortgage application. We like to think we’re pretty good, but without your documents, we can’t really know how a mortgage application will go. It’s essential we check your documents before we apply, to be confident in the outcome.
What documents should I have ready for the mortgage?
Here are the documents we typically require for each mortgage applicant.
Identification – who you are.
Address – where you live.
(One of the below)
- Bank statements (as below)
- Recent Utility Bill
- Valid Driving Licence
- Recent Banking Correspondence
- Council Tax Bill
- Benefits notification letter
Income – what you earn.
- Proof of income (employed): Latest 3 months’ payslips.
- Proof of Income (Sole trader): Latest 2 years’ Tax Calculations & Tax Overviews. Click here for our guide on how access these documents.
- Proof of Income (Company director): Latest 2 years’ Tax Calculations & Tax Overviews + latest 2 years’ finalised company accounts
- Proof of income (retired): Most recent pension statement or P60.
Our full income guide can be found here.
Expenditure (bank statements) – what you spend.
These statements will need to show your income and general day to day expenditure so occasionally more than one account is required.
- We need the last three consecutive months statements.
- Most recent statement must be no more than a month old.
Deposit – where your funds have come from.
Savings account statement.
Gifted deposit letter from the donor. *your adviser will help you with this.
Acceptable format.
Digital copies of documents (such as PDF bank statements) and good quality scans are now commonly accepted by lenders.
If you don’t have access to a scanner, we recommend a smartphone app called ‘Camscanner’ which converts your phone into a virtual scanner and even converts the documents to PDF format for you.
Credit Profile
It’s always advisable to have a firm understanding of your creditworthiness. We recomend obtainign a multi-agency credit report before speaking to and adviser.
Please note:
Depending on your situation and lender used, you may need other documents and/or originals to be posted to us as well. You will be informed ASAP if any further documents are required.