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;
2 x Address ID:
This can be:
- Your current photocard driving licence. 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 pdfs are best for any utility bills or bank statements you may be sending to us.

Proving you’re you…
If you decide to use your passport as proof of identity, please make sure that your scan shows all of the details clearly. This should include the full signature page, the full photo page and the full MRZ number (the long number across the bottom of the photo page).
The scan will also need to clearly show all edges of the passport to be accepted as a valid form of I.D. To help, see the example here and if you have any questions on this, the team would be more than happy to help.
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.
Bank Statements
Two Last Questions…
Are You A Current Landlord?
Are You Purchasing A Property?
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 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 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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