Mortgage Application Documents

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January 14, 2019

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Quick Mortgage Offers require great documents!

The biggest delay we experience in getting your Mortgage Lender to approve your mortgage and issue the Mortgage Offer is with the clients getting their documentation to us or sending documents the lender won’t accept. To help us, help you, check out our hints and tips below to ensure a speedy mortgage offer!

ps – the Mortgage Offer is the lenders document which sets out the terms of the mortgage and confirms to all parties involved that the lender is satisfied with all of their checks and have agreed to lend the money to you to help you buy your new home or remortgage.

Proof of Identity2021-03-24T16:06:47+01:00

Acceptable Proof of Identity includes:

  • Current Signed Passport
  • Current UK and EEA photocard driving licence
  • Full old-style driving licence
  • Residence permit issued by the Home Office to EEA nationals on sight of own country passport
  • Original Birth Certificate issued within 12 months of the date of birth
  • Firearms or Shotgun Certificate

Things to look out for:

  • Your proof of identity is in date
  • If sending over a picture of your proof of identity, make sure your fingers aren’t covering anything
  • If applying in your married name and your proof of identity is in your maiden name, please provide your marriage certificate
Proof of Address2021-03-24T16:06:47+01:00

Acceptable proof of address varies from lender to lender, but the main acceptable forms are listed below:

  • Utility Bill (Gas, Electric, Television, Landline Phone Bill) dated within the last three months. Please note mobile phone bills are not acceptable to lenders.
  • Council Tax Bill for the current council tax year
  • Current UK Driving Licence (if not used for Proof of Identity)
  • Bank Statement dated within the last three months
  • Mortgage Statement issued for the last full year

Things to look out for:

  • On your proof of address you can clearly see your name, your address and the date of issue.
  • If using your driving licence please ensure it is in date
  • When using bank statements, most lender will not accept online statements unless they show specific information or those printed in branch. They will require postal bank statements.
Bank Statements2021-03-24T16:06:46+01:00

Lenders will require the last full 3 months bank statements for each applicant. The bank statements need to show your salary credit which must match the payslips you are sending and also your day to day transactions.

When sending online bank statements these must show your name, account number, sort code and the website address (URL).

Lenders will look for regular transactions that could affect affordability such as payments to a family member for any money owed or to an organisation, that would not show up on your credit report. When sending over your bank statements, if there are any transactions that are outside what you would class as day to day transactions, providing an explanation to us means we can send this up to the lender with the bank statements which will help speed up the process.

Proof of Income – Employed2021-03-24T16:06:46+01:00

For employed applicants the lender will require the lastest 3 months payslips (lastest 8 if paid weekly or the lastest 6 if paid fortnightly) and your Latest P60.


On your payslips you must make sure that the following is displayed:

  • Your name must match the name on the mortgage application
  • Your paydate and tax period must be clearly shown
  • Your Basis Gross pay amount will be used to determine your yearly salary
  • Your Net Pay
  • The company name
  • If your address is displayed on the payslip this should match the address on the mortgage application

Extra Income

When using extra income such as bonus, overtime or commissions the number of payslips and P60s you will need to provide will vary. The lender will require 2 years P60s to evidence your extra income. If you have not received these amounts for two years or more the lender can use less documentation but will use a lower percentage of this extra income for affordability.

Proof of Income – Self Employed2021-03-24T16:06:46+01:00

The lender will require the last 2 years Tax Calculations and Tax Overviews (unless we have already discussed otherwise with you). If you are not sure on how to obtain these click the links below to see our handy guides and to see an example of what they look like.

Some lenders will require an Accountants Certificate – these will usually be posted to the accountant by the lender.

Please note: the lender will not accept figures over 18 months old, if your latest accounts are 18 months or over we will require you to submit your most recent years accounts and generate the above documents.

Benefit and Maintenance Income2021-03-24T16:06:46+01:00

If you receive benefits or maintenance payments that are being used towards affordability the lender will need to see you last 3 months bank statements showing the child benefit or work tax credits being credited to your account.

When receiving maintenance, make sure the bank account that the maintenace is received into is not a joint account with the person that is sending the maintenance as the lender then may not accept this income within their affordability calculations.

Proof of Deposit2021-03-24T16:06:46+01:00

When purchasing, if your deposit is coming from sources other than equity then the lender will want to see proof of deposit. This can be from sources such as savings, a gift from a family member or raising money from the remortgage of another property. The types of documents the lender will require for the proof of deposit:

  • Savings account statement
  • Bank Statement
  • Gifted Deposit Letter (we will provide this to you)
  • Address of the property being sold or remortgaged

If the funds are to come from your limited company then we will need a letter from the accountant confirming that the funds the can be withdrawn without detriment to trading and the funds are not set aside for any other purpose.

If sending over statements please ensure the accounts are in your name and there is enough funds to cover the deposit.

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