Mortgage Docs Checklist
Mortgages Made Easier
Here’s what we’ll need for all applicants to make your mortgage lives as easy as possible…
We want to keep things simple, so here is the ultimate mortgage document checklist so you know exactly what you need when applying for a mortgage. No matter what type of mortgage you are applying for – Buy to Let, Ltd Company or HMO…
Just follow the blue boxes to identify which document/s apply to you and any co-applicants;
Personal ID
To start we will need your photo and address ID. For this we’ll need:
1 x Photo ID:
This can be:
- Your current signed passport;
- Or your current photocard driving licence;
2 x Address ID:
This can be:
- Your current photocard driving licence.
- Current council tax bill dated within 3m.
- Bank Statement or Credit Card including name and address – dated within 3 months.
- Utility bill including water, landline, electricity or gas bill.
What format of documents do I need to send?
We’ll need clear photograph of your Photo ID please.
Downloaded pdfs are best for any address proof, utility bills or bank statements you may be sending to us.
Proving you’re you…
Using your passport as proof of identity? Please make sure that your photo shows all of the details clearly.
Income Proof
Your current employment status will dictate which documents we need from you for proof of income and as with the ID, we are unable to accept scanned copies of your proof of income. We will need sight of the original documents or official downloads.
I am:
If you are employed – we’ll simply need your last three payslips and your latest P60 please.
- We’ll need your latest 2 years ‘Tax Calculations’ and ‘Tax Year Overviews’ (We may be asked by certain lenders to provide your SA100 or Tax Return) – here’s a guide of how to download these HMRC documents →
- We’ll need your latest 2 years ‘Tax Calculations’ and ‘Tax Year Overviews’ (We may be asked by certain lenders to provide your SA100 or Tax Return) –
here’s a guide on how to download these HMRC documents → - We’ll also need your latest 2 years company accounts (if available)
PDF documents of the above are perfect. We are happy to request these documents from your accountants if you grant us access.
If you are lucky enough to be retired, we’ll simply need sight of a private pension statement or state pension entitlement.
No problem – please call us on 08009499410 and one of our expert advisors can discuss this further with you.
Bank Statements
Two Last Questions…
Are You A Current Landlord?
I have:
If you have no investment properties as yet, that is absolutely fine, we will just need sight of the last 3 months personal bank statements for all applicants (where salary/personal income is credited) – PDF downloaded online statements will usually be accepted as long as they show name and address.
- We will just need sight of the last 3 months personal bank statements for all applicants (where salary/personal income is credited) and 3 months of business bank statements if property held in an Ltd Co – PDF downloaded online statements will usually be accepted as long as they show name and address.
- If you are employed, retired or other, it is likely that the lender will also need to see your latest 2 years ‘Tax Calculations’ and ‘Tax Year Overviews’ for the property portfolio. (We may be asked by certain lenders to provide your SA100 or Tax Return) – here’s a guide of how to download these HMRC documents →.
- We will just need sight of the last 3 months personal bank statements for all applicants (where salary/personal income is credited) and 3 months of business bank statements if property held in a Ltd Co – PDF downloaded online statements will usually be accepted as long as they show name and address.
- If you are employed, retired or other, it is likely that the lender will also need to see your latest 2 years ‘Tax Calculations’ and ‘Tax Year Overviews’ for the property portfolio. (We may be asked by certain lenders to provide your SA100 or Tax Return) – here’s a guide of how to download these HMRC documents →.
Are You Purchasing A Property?
I am looking to:
- We’ll need to understand where your deposit is coming from. If it is a cash deposit or a director’s loan or an inter-company loan, we’ll just need sight of the last 3 months of bank statements showing these deposit funds.
- If your deposit is being gifted to you as liquid funds, we’d need sight of the donor’s bank statements showing proof of those funds please, it’s likely we’ll also need a signed letter from the giftor of the funds, but this will be lender dependent.
Please speak to your mortgage broker for other sources of funds, or call us on 08009499410
Great, we don’t need anything else from you.
IMPORTANT INFO
Please note that the above isn’t an exhaustive list, since lenders will always reserve the right to request additional documents where they feel it is warranted. The above documents will, however, ensure that we can confirm that our initial advice and choice of lender are correct and accurate in terms of lending policy and criteria, we can complete an application form accurately and secure your rate – and that the majority of lender document requests are held on file whilst handling your application.
Thank you in advance.
Still Got Questions, We Can Help
If you still have questions about what documents you can and can’t submit for your mortgage application, have no fear our advisers can help guide you through it all. Call us on 08009499410 for a quick answer or submit your details below and we will give you a callback.
"*" indicates required fields
🔒 To understand how we securely handle and hold your info, see our privacy policy here.
* required
