The below is a general list of what may be required when applying for a mortgage to a lender. Each lender will have their own criteria and therefore, may request further information once your application has been fully submitted.
Proof of ID
- Driving licence or passport
- Bank statements which should not be older than 3 months
- Utility bills which should not be older than 3 months (electric, gas, water etc.)
- Proof of any benefits you’re receiving
- Details of your solicitor, estate agent and the seller
Proof of Income
The requirements for proof of income will vary according to your type of income: If you are in PAYE employment: Payslips – these must be no more than three months old (up to 6 weeks if you are paid weekly) and feature both your name and your employers name, payment date, net pay and gross pay. If you have recently started a new job, or haven’t been at your role very long, they may want to see P60 documents to prove you have been in work. If you are self-employed: Self-assessed tax return forms (SA302) and tax year overviews – these forms can be requested from HM Revenue and Customs (HMRC) and must both represent the same period of time, no later than the last 2 years. An accountant’s certificate – this can be provided by your bank or lender and must be filled in by a suitably qualified UK accountant.