Document Checklist
Applying for a mortgage or refinancing your existing property requires a range of documents to verify your financial position. Whether you’re employed, self-employed, a company director, or a landlord, having the right paperwork ready can make the process faster and more efficient.
This checklist outlines everything you’ll need to provide to your mortgage broker. From proof of income and credit reports to statements for all financial accounts, each document plays a critical role in building a comprehensive picture of your financial status. Ensuring your documents are accurate, complete, and up to date will help streamline the application process and avoid unnecessary delays.
Use this guide to ensure you’re fully prepared and one step closer to achieving your financial goals!
Employed clients
- Latest 3 months’ personal bank statements for all accounts held – must show salary credits/utilities/regular outgoings & commitments
- Latest 3 months’ pay slips/13 weeks (if paid weekly)
- Latest P60
- Full credit report
- Copy of employment contract – signed and dated
- Latest credit card statement/s
- Copy of any current loan agreements in place
- Statement/s forBuy-now-Pay-Later agreement/s
- Copy of PayPal/Klarna statement/s
- Proof of deposit (bank statement/investment statement/Giftor letter) – purchase only
- Proof of ID – passport and driving licence
- Latest mortgage statement (current home owners only)
Self-employed clients
- Latest 3 months’ personal bank statements for all accounts held – must show salary credits/utilities/regular outgoings & commitments
- Latest 2 years full submitted Tax Calculations and Tax Year Overviews
- Full credit report
- Latest credit card statement/s
- Copy of any current loan agreements in place
- Statement/s for Buy-Now-Pay-Later agreement/s
- Copy of PayPal/Klarna statement/s
- Proof of deposit (bank statement/investment statement/Giftor letter) – purchase only
- Proof of ID – passport and driving license
- Latest mortgage statement (current home owners only)
Limited Company directors
- Latest 3 months’ bank statements for all personal accounts held – must show salary credits/utilities/regular outgoings & commitments
- Full credit report
- Latest 3 months business bank statements
- Latest 2 years full submitted Tax Calculations and Tax Year Overviews
- Latest 2 years unaudited, full business accounts
- Latest credit card statement/s
- Copy of any current loan agreements in place
- Statement/s for Buy-Now-Pay-Later agreement/s
- Copy of PayPal/Klarna statement/s
- Proof of deposit (bank statement/investment statement/Giftor letter) – purchase only
- Proof of ID – passport and driving license
- Latest mortgage statement (current home owners only)
Landlords
(purchase or re-mortgage)
- Latest 3 months bank statements showing rental credits (re-mortgage only)
- Latest 3 months personal bank statements for all accounts held – must show salary credits/utilities/regular outgoings & commitments
- Latest 2 years full submitted Tax Calculations and Tax Year Overviews to evidence HRMC declared rental income (not applicable to First Time Landlords)
- 3 months’ pay slips (if you also have an employed role)
- Full credit report
- Assured Short-hold Tenancy agreement (existing landlords only)
- Property portfolio – details of all properties owned, including residential (existing/portfolio landlords only) – we have a separate document you can complete with this information
- Proof of deposit (bank statement/investment statement/Giftor letter) – purchase only
- Proof of ID – passport and driving license
- Latest mortgage statement (existing property owners only)
Product Transfer
(new product with current lender) – all transaction types
- Latest bank statement showing mortgage payments and regular outgoings.
- Latest pay slip (employed)
- Latest years Tax Calculations and Tax Year Overviews (self-employed)
- Proof of ID – passport or driving license
- Latest mortgage statement
Get in touch here if you require any help or advice regarding these documents.