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Most application delays are documents — a missing payslip or an out-of-date utility bill can hold up an offer by a week.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