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Mortgage Docs Checklist

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 (full or provisional);

2 x Address ID:

This can be:

  • Your current photocard driving licence (full or provisional).  Sorry – you can’t use the same licence for both photo and address ID, we’d need another document too.
  • Current council tax bill dated within 3m.
  • Bank Statement or Credit Card Statement showing your name and address dated within 3m.
  • Utility bill including water, landline, electricity or gas bill.  Sorry, no mobile phone bills.
What format of documents do I need to send? 

We’ll need a clear scan or photograph of your Photo and Address ID please.  Or downloaded pdf documents are perfect for address ID.

We’ll run an electronic ID check alongside your documents, please be aware that lenders may wish to see a certified copy of your identification.

We’re stating the obvious now, but all photo ID must be signed, and valid and all address ID must show name, date and address.  There are still some banks (you know who you are) giving copies of statements not showing name and address!

Although you can post originals to us, downloaded pdf’s are best for any utility bill’s or bank statements you may be sending to us.

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.

You are: EmployedSelf-employedRetiredOther

If you are employed - we’ll simply need your last three payslips and your 2020 P60 please.
If you are lucky enough to be retired, we’ll simply need sight of a private pension statement or state pension entitlement.
Great, what type of self-employed are you?
No problem - please call us on 08009499410 and one of our expert advisors can discuss this further with you.
  • 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 of how to download these HMRC documents →
  • Latest 2 years company accounts (if available) showing 3 years figures
  • Pdf documents of the above are perfect. We are happy to request these documents from your accountants if you grant us access.

Bank Statements

Two Last Questions…

Are You A Current Landlord?

I have: No properties yet1-3 properties4+ properties

If you have no properties 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 – sorry, we cannot accept a ‘screen grab’.
  • 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 – sorry, we cannot accept a ‘screen grab’.

  • 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 →.

    They may not, but to save time it may be worth sending them over.
  • We will 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 – sorry, we cannot accept a ‘screen grab’.


  • Where you are a ‘Portfolio Landlord’ i.e own 4 or more background BTL properties, we will also need sight of your bank statements showing your rental income crediting and mortgage payments leaving. Again PDF downloaded online statements will usually be accepted as long as they show name and address and no screen grabs.

  • If you are employed, retired or other, we will definitely also need your latest 2 years ‘Tax Calculations’ and ‘Tax Year Overviews’ for your 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 →.


    If you have 4 or more properties, we cannot process your transaction without this documentation.

Are You Purchasing A Property?

I am looking to: PurchaseRemortgage

  • We’ll need to understand where your deposit is coming from. If it is a cash deposit or a director’s loan or inter-company loan, we’ll need sight of the last 3 months of bank statement showing these 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.

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 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

Meet The Mortgage Experts

If you still have questions about what documents you can and can’t submit for your mortgage application, have no fear our advisors 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.

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