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
Lloyds Banking Group has jumped on the bandwagon to boost lending for first-time buyers as they allocate an additional £4 billion to help first-time buyers on to the property ladder.
As the Loan to Income (LTI) cap has been increased to 5.5 times income, applicants who fit the First Time Buyer Boost criteria could borrow up to 22% more.
The government is introducing mortgage reforms to boost homeownership, stimulate economic growth, and make the housing market more accessible, especially for first-time buyers.
Chancellor Rachel Reeves has announced the most significant mortgage reforms in over a decade—great news for those dreaming of homeownership.
Nationwide ease their ‘Helping Hand’ mortgage designed to help first-time buyers get onto the property ladder by allowing them to borrow up to six times their income.
Ways to save money over the summer holiday
9 days ago
Keeping the kids entertained over the six-week summer holidays isn’t always easy, especially with the cost-of-living making it even more difficult. Below is a list of fun, inexpensive ideas to do over the break
The Financial Conduct Authority (FCA) has published a discussion paper about the future of the mortgage market in a bid to improve access for first -time buyers, self-employed, and those borrowing in retirement.
Ever wondered where the most reasonably-priced towns for families to buy are? Property company, Zoopla has identified the top 10 towns for families to live in the UK by looking at the most affordable towns, and how many people are looking in that area.
Increase in zero-deposit mortgages in 2024
18 Jun 2025
There was a 32% increase last year in 100% loan-to-value (LTV) mortgages which are mortgages that require zero deposit. According to a recent report by chartered accountants and business advisers, Lubbock Fine, the reason behind this is buyers simply struggling to save enough for a deposit.
Average savings by age in the UK
17 Jun 2025
Many people are quite private when it comes to what is in their bank account. In this short blog, we look into what Brits have saved by age group.
More information
Trusted by
