One of the most common reasons for a delay in the mortgage application process is missing information.
Mortgage lenders demand specific information in order that they can properly ascertain exactly who they are lending to, where they live and their ‘risk profile’. In other words, do you enjoy a regular income and do you regularly meet your financial responsibilities.
Therefore, if you are an employee and you’re considering applying for a mortgage any time soon, it’s worth doing some financial housekeeping so that you are able to provide the following;
1. TO PROVE WHO YOU ARE SUPPLY ONE OF THE FOLLOWING;
- Original EU Passport - Current and in date or
- Original Non EU Passport + Visa - Current and in date or
- Original Photo Driving Licence - Current and in date
2. AND ONE OF THE FOLLOWING TO PROVE YOU LIVE WHERE YOU SAY YOU LIVE
- Credit Card Statement
- Driving Licence
- Inland Revenue Tax
- Notification or notice of coding
- Council Tax Bill
- UK Bank Statement
- Utility Bill (not Mobile phone)
- Polling Card
- Mortgage Statement
- Benefit Letter
We must see the original document, (if applicable dated in the last 3 months) and they cannot be online documents.
3. AND TO PROVE WHERE YOU WORK AND HOW MUCH YOU EARN
- Original latest 3 months consecutive payslips (or 12 weekly).
Each must show both your name and your employer’s name. We suggest you also send your P60 if you have additional bonus payments, commission and/or overtime.
4. TO ILLUSTRATE THAT YOU COMPLY WITH THE LENDER’S AFFORDABILITY CRITERIA PROVIDE THE LATEST 3 MONTHS’ BANK ACCOUNT STATEMENTS
These must include;
- Your name & account details
- Salary Credits (must correspond with payslips)
- Rent or Mortgage Payment
5. TO ILLUSTRATE WHERE YOUR DEPOSIT COMES FROM PLEASE SUPPLY;
- A Bank Statement showing the source of the deposit payment
- A gifted deposit letter from whoever is supplying funds
NB If you are buying and selling simultaneously, and not putting any other money in, you can ignore this section.
6. A CREDIT REPORT?
We may also need to check that the information held on the credit register about you before we apply for the mortgage. If you would like to check it yourself you can get a free copy here without any subscriptions.
7. MORTGAGE PROTECTION COVER
If you already have existing mortgage protection arrangements in place we will need to check it is sufficient and will need to see;
- Mortgage Protection policies or
- Life cover documents or
- Details of any cover provided by your employer - copies will do!
8. PROOF OF PENSION PROVISION (ONLY IF YOU ARE BUYING A HOME TO LIVE IN AND THE MORTGAGE TERM GOES PAST YOUR RETIREMENT AGE)
In this case we’ll need to see;
- Proof of Pension Provision
All documents need to be clear copies and include all reference numbers. Unfortunately, we cannot accept jpegs.
Related articles:
Download our Free First Time Buyers Guide
Recent posts
In September 2026, they extended this to a wider range for those moving home. Eligible homeowners looking to purchase their next property can access the delayed start mortgage, which could help with the overlap between properties, solicitor, removal, and repair costs.
Best UK Mortgage Rates this Week
Yesterday
Here are the lowest fixed mortgage rates of the week, available to first-time buyers, home movers, buy-to-let, and those remortgaging.
Call us for more information: 01628 507477 or email: team@mortgagerequired.com.
What is a Mortgage Stress Test?
3 days ago
A mortgage ‘stress test’ revolves around predicting future ‘affordability’. It is seen by many borrowers as just another hurdle to overcome, but it’s important to understand why it was introduced and who it is meant to protect.
There are several scenarios for a landlord where standard buy-to-let lending isn’t enough for their investment. For more complex properties, ownership structures, or borrowing circumstances, a specialist buy-to-let mortgage may provide options that are not available through mainstream lenders.
Leaseholders to be given extra protection
23 days ago
Housing Secretary Angela Rayner has announced a new measure to protect leaseholders in England and Wales from high fees and poorly regulated property management companies.
New first-time buyer scheme announced by Burnham
25 days ago
Saturday 26th September, Andy Burnham announced a new equity loan scheme called “Your First Home”. The scheme, which will be confirmed at next month’s budget, is aimed at first-time buyers looking to purchase a new-build property from a developer signed up to the scheme.
What Happens to My Mortgage if I Lose My Job?
28 days ago
Losing your job or finding yourself ‘between jobs’ is, unsurprisingly, a stressful place to be. Keeping a cool head and taking action is important.
Flats 40% cheaper to buy than houses
18 Sep 2026
This price gap between the cost of houses and flats is the biggest it has ever been. Houses are now costing 1.7 times more than a flat, which is 0.4 times higher than 10 years ago
Take a look at our list of houses vs. flats per area.
More information
Trusted by
