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Mortgage application documents

Get your documentation together for your application

Providing evidence to support your application


As part of the mortgage application process, we will ask you to provide some documents which will support your application.

The documents you need to provide will vary dependent on your situation and the lenders requirements, but on this page we will help you find them.

How to submit mortgage documents


You can send us PDFs of your documents via email currently.

Documents should be clear and legible, any documents which cannot be clearly read will not be accepted by the lender.

All applications


Proof of name and address

Proof of identity

  • Passport
  • Driving Licence

Proof of Address

  • Bank Statement dated within the last 3 months
  • Recent Council Tax bill
  • Utility bill dated within the last 3 months
  • Latest mortgage statement

Bank Statements

In most cases we will require your most recent 3 months bank statements.

If you receive irregular income such as commission or make irregular payments such as school fees, we may require additional months bank statements.

Evidence of deposit

We will need to see evidence of any deposit you are planning to make towards the property. The evidence you need to provide will depend on where it is coming from and we will advise you on this.

Where a deposit is being gifted from a family member, you will need to obtain a ‘gift letter’ from the donor. This letter must confirm that the deposit is a non-refundable and unconditional gift and that no interest will be claimed on the property.

Some lenders have templates for this and your advisor will let you know if this is the case.

Employed income


If you are in permanent employment we will need to see evidence of your income.

In most cases we will need you to provide your last 3 months worth of pay slips.

If you are payed weekly we will need to see your last 13 weeks payslips.

You will also need to provide the corresponding bank statements which will show the salary credits from the payslips you have provided.

Self-employed income


Depending on your circumstances, we will need the following evidence:

Sole Trader, General Partnership or Limited Liability Partnerships with fewer than 200 partners

Your last 3 years’ worth of the following documents (most recent year must be dated within the last 18 months):

  • Tax Year Overviews and,
  • Tax Calculations, evidenced by:
  • 1. a print out from HMRC website or
  • 2. an SA302 or
  • 3. the computation produced by your accountant that is submitted to HMRC
  • Your latest 3 months business bank statements including monthly summary (personal account statements can be used, if used for business purposes). The latest date showing on the statement needs to be within 35 days of the application start date.
  • An accountants letter (lender specific)

Limited Liability Partnership (LLPs) with 200 or more partners

A letter from the company finance director or accountant detailing your earnings over the past 2 years, dated within the last 3 months.

Limited company director with 25% or more shareholding

  • Your last 2 years’ finalised accounts (the most recent year must be dated within the last 18 months).
  • Your latest 3 months business bank statements including monthly summary (personal account statements can be used, if used for business purposes). The latest date showing on the statement needs to be within 35 days of the application start date.
  • If you’re not a 100% shareholder, please also provide: The last 2 years’ P60s or the last 2 years SA302/ tax calculations, and your corresponding tax year overviews to evidence salaried income.

Limited company director with less than 25% shareholding

In most cases you would be considered as ’employed’.

Sole Trader

Your last 3 years’ worth of SA100s with SA103 supplements

General Partnership

  • your last 3 years’ worth of SA100s with SA104 supplements
  • your last 3 years’ worth of SA800s

Limited Liability Partnerships with fewer than 200 partners

  • letter from the finance director confirming the applicants share of the business, the businesses last 3 years turnover, net profit and if any government support has been provided

or

  • your last 3 years’ worth of SA800s
  • your last 3 years’ worth of SA100s with SA104 supplements.
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