Depending on the lender, additional documentation may be required, however the following documents will be the minimum requirements for all lenders.

Photographic ID

  • Passport or Driving Licence. Passport is preferred, but most lenders will also accept a full UK driving licence showing your current address.
  • If you don’t have a British or EU passport, or a passport from Norway, Switzerland, Iceland or Lichtenstein (EFTA countries), lenders will also request to see your residency card or visa.

Proof of Name & Address

Usually any ONE of the following:

  • Bank statement which shows your name & address
  • Council tax statement for the current year
  • Utility bill from the last 3 months, which can be water, landline, internet, electricity and gas bill (but not a mobile phone bill)

Proof of Income and Deposit

Usually ALL of the below will be required:

  • If you’re Employed: Your last 3 payslips
  • If you’re Self-Employed: Your last 3 years of tax returns and tax year overviews (or however many you have, if it’s less than 3 years’ worth).  These may also be know as ‘SA302’s.

  • Your last 3 bank statements, showing your name, address and your salary credit (if you have separate bill paying accounts, we will also need the last 3 months of these)

  • Proof of any other sources of income, like bonuses and income from rental properties

  • Proof of your deposit (like a bank statement)
  • If your deposit is a gift, you’ll need a letter from the person giving it to you confirming they don’t expect it to be repaid​

Whether it's in-person or online, here's our handy guide to the paperwork you'll need to apply for a mortgage