Get your proof & documents ready for your mortgage application

Updated: 29th Apr, 2024

Proof of Identity and Address: You'll typically need a valid form of ID like a passport or driving licence. For proof of address, recent utility bills or bank statements are commonly accepted.
Bank Statements: These are often required to verify your financial stability and spending habits. Be prepared to provide 3-6 months of statements. You may be asked to provide further proof of your outgoings such as credit card borrowing & childcare costs.
Evidence of Deposit: Proof of your deposit, and in cases where the deposit is a gift, a letter from the donor confirming it's a non-refundable and unconditional gift.
Proof of Income: For employed individuals, recent payslips (usually the last three months) and a P60 form are typical requirements. Payslips should ideally include details like employer’s name, your name, payment date, and net and gross pay. See below if you are self-employed.

Tax Documents: You will need to provide your tax year overviews and tax calculations, which can be an SA302 form or a printout from the HMRC website.
Accountant’s Certificate: Some lenders might accept an accountant's certificate filled in by an accountant with an acceptable qualification.
Business Financials: Depending on the nature of your self-employment, you might need to provide your finalised accounts for the last two years, especially if you're a director with a significant shareholding in a company.
Business Bank Statements: Recent business bank statements (typically the last three months) to support your tax return information.

EWS1 (external wall system) form: If your property is a flat in a building of 6 stories or more, and there is either cladding surrounding the building or balconies made of combustible materials such as wood, your conveyancer will need to get this form from the seller to provide to your mortgage lender, to address fire safety concerns.

SDW (structural defects warranty): If the property is less than 10 years old, your conveyancer will need to get this warranty from the seller to provide to your mortgage lender.