Lets Talk ‘Mortgage Document Requirements’

Whether you are first time buyers, looking to remortgage or purchase a new property, there is a list of documents that you will need to gather and provide your advisor or lender.


Understanding what and why you need these is key, especially if time is of the essence and you don’t have all these things to hand.


Maybe reading this blog could be the inspiration you need to source a home filling cabinet. Your mini home office where everything is filed in order and labelled in one place: insurance documents; annual statements, family identity documents. The hour or so it would take to do this could save hours and potentially money in the long run!

Identity Documents

It is vital that lenders know exactly who they are providing mortgage loans to. You will be asked to provide documents that prove your full name and photograph and a current address or date of birth.


Normally these requirements can be ticked off with a current UK, EU or EEA passport and driving license, so please ensure your driving license has your current address on and both these documents have not expired.


There are a variety of other documents that you can supply if you cannot provide these, so please speak to your advisor or lender who can run through a checklist to see which documents you may have.

Most recent 3 months of Bank Statements

Lenders will need to see these for a variety of reasons. Underwriters will ensure financial exchanges coming in and out of your bank match other evidence requested from you.

For example, income and dates shown on your bank statements will need to match those on your payslips, as well as committed credit commitments that show on your credit report.

Underwriters will also look at spending habits and may have further questions on income and outgoings showing on your statements.

These bank statements need to be full statements that show your name and address, certainly not screenshots of your account!

Proof of Income

This will include 3 months of payslips if employed. Underwriters will check a variety of details on the payslips, not just the income and date verification. Payslips can be electronic or hard copies.


If self employed, lenders will expect to see an absolute minimum of 1 year worth of Tax Computations and Tax Overviews if you have a new business. If established, two latest years of Tax Computations and Tax Overviews will be requested. These can be downloaded from your HMRC portal or if you have an accountant, they should be able to help.

Proof of Deposit (if relevant)

It is a legal requirement for lenders to identify and document where your deposit has come from. Proof can include a full bank or savings account statement or if coming from a third party a signed agreement may need to be completed. What you disclose as your source of funds will be examined in more detail by the relevant lender.

For those looking to shop around for a new mortgage deal or be prepared for a new purchase, I hope you have found this blog useful. It cannot be stressed enough that being organised with your documents will save a lot of time, potentially money or even securing the property you are chasing!


Do get in touch for a free of charge consultation.


As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

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