Download the printable PDF checklist
What lenders usually ask for
Identity and address
- Passport or photocard driving licence (in date)
- Proof of address, such as a recent utility bill, council tax bill or bank statement
- Address history for the last three years
If you are employed
- Your last three months' payslips
- Your latest P60
- Details of any bonus, overtime or commission
- Your employer's details and your start date
If you are self-employed or a company director
- HMRC tax calculations (SA302), tax year overviews and Ltd company accounts if applicable, usually for the last two years
- Accounts prepared by an accountant, if you have them
- Your accountant's contact details
- Business bank statements, if the lender asks for them
If you are a contractor
- Your current contract and any previous contracts
- Your day or hourly rate and a record of your contracting history
Bank statements
- Your last three months' personal bank statements for all accounts you use
Your deposit
- Statements showing your savings
- If your deposit is a gift: a signed gifted deposit letter from the person giving it, and proof of their funds if the lender asks
Commitments
- Details of loans, credit cards, car finance and student loans
- Details of childcare or other regular costs
The property
- The address and agreed price, or an estimated value if you are remortgaging
- For flats: the remaining lease length, ground rent and service charge
- Your solicitor or conveyancer's details
If you are remortgaging
- Your latest mortgage statement
- Your current deal end date and any early repayment charges
If you are a landlord
- Details of the property and the expected rent
- A schedule of any other properties you own and their mortgages
- Company details if you are buying through a limited company
Please do not send documents by email or through our website chat. A member of the team will explain how to share them securely.
General information, not advice. This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender.