What documents are needed for a mortgage application?

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Affordability Assessment

  • Latest 3 months payslips or latest 3 years tax returns
  • An up-to-date credit report dated within the same month
  • Latest 3 months bank statements showing daily expenditure and income (salary credit if employed)

Agreement in Principle

  • Passport to confirm your legal name (Must be valid and in date) or Drivers Licence (Must be valid and in date)
  • Income proof that matches your application (either your latest 3 months payslip or your latest 3 years tax return)
  • Latest 3 months bank statements showing daily expenditure and income (salary credit if employed)
  • Proof of Deposit
  • Memorandum of Sale (or full details of the property with a Rightmove / Zoopla web link if buying via an agent)
  • An up-to-date credit report dated within the same month

Mortgage Application

The lender may require further documents to this list, but for now, these are the standard document requirements:

  • Latest Mortgage statement (Remortgage only)
  • Passport (Must be valid and in date) or Drivers Licence (Must be valid and in date)
  • Income proof that matches your application (either your latest 3 months payslip or your latest 3 years tax return)
  • Latest 3 months bank statements (the bank statements provided must show your income being credited and general expenditure going out)
  • Latest Council Tax Statement or Utility Bill dated within the last three months
  • Memorandum of Sale (or full details of property, your solicitors and estate agents)
  • Proof of Deposit
  • An up-to-date credit report dated within the same month

 

We may decline to provide a quote or proceed with an application (at our discretion) if you refuse, or are unable to, provide us with information and/or documentation that we have requested.
 

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