What documents do I need for a mortgage application?

Most application delays are documents — a missing payslip or an out-of-date utility bill can hold up an offer by a week. This is the checklist worth printing.

Everyone

• Photo ID — UK passport or driving licence.
• Proof of address — utility bill, council tax, bank statement (last 3 months).
• Proof of deposit — bank statements showing the source and any gift letter.
• Last 3 months of personal bank statements.

If employed

• Last 3 months’ payslips.
• Latest P60.
• If you receive regular bonus / commission — last 2 years of payslips or P60s.

If self-employed

• Last 2 years SA302 (tax calculation) from HMRC.
• Tax year overview for the same 2 years.
• Certified accounts (Ltd directors).
• Accountant’s reference (some lenders).
• Business bank statements (last 3 months).

If remortgaging

• Current mortgage statement (within the last 12 months).
• Buildings insurance schedule.
• Any property improvements done that may affect valuation.

Get these together before you apply and you can shave weeks off the timeline.

Ready to start your application? Check how much you can borrow or speak to an adviser to get started.