How to securely upload your documents to Prospect Tree Mortgages

To make this part of the process easy, we have given you access to a secured folder on our system to upload your documents to. Simply click ‘Upload Your Documents Now’ and follow the instructions to quickly, easily and securely upload your documents to us.

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Proof of identity

Make sure the document is in date, and the photograph and all details, including relevant document numbers are clearly visible.

Acceptable Documents:

Valid Passport – your passport should be in date, and un-altered or damaged. The entire passport photocard page must be visible, including all digits of your passport number.

HMRC Tax Notification dated within the last 6 months – this is a notification from HMRC which provides information and/or documents about your tax affairs. HMRC usually sends these notices in January for the tax year starting on the next 6th April. If you haven’t received one you can get one here.

Current Full Driving License – The full UK driving license is pink and not green. In order for it to be ‘current’ it must be in date. The entire photocard should be visible on your upload.

Employed

We will ask for your most recent payslips, P60 form and a letter from your employer confirming your salary. Make sure the documents show your gross income (before tax), and the date of the documents are recent.

Recent Payslips – the lender will need your most recent payslips. Typically this should be your last 3 months payslips if you’re paid monthly or your last 13 payslips if you’re paid weekly. You can request your payslips from your employer or human resources department if you are missing any.

P60 – In the United Kingdom, a P60 is a statement issued to taxpayers at the end of a tax year. Your employer will provide you with your p60.

Letter from Employer – A Salary Verification Letter is used to verify both the employment history and the salary and other compensation received by an employee. This letter can be drafted either by an employer or an employee who then delivers the letter to their employer to sign and send.

Self employed

If you’re self employed, in addition to the standard documents required for a mortgage application, you may need to provide additional documents to demonstrate your income and the viability of your business. Here are some of the documents that a mortgage lender may request from a self-employed person.

Self-assessment tax returns: You’ll need to provide your self-assessment tax returns for the past two to three years to demonstrate your income. You can download, or apply for your self-assessment tax return on the government website.

Business accounts: You may be required to provide your business accounts, such as profit and loss statements and balance sheets, to demonstrate the financial stability of your business.

Contracts or invoices: You may be asked to provide copies of contracts or invoices from your clients to demonstrate a regular income stream.

Bank statements: You’ll need to provide bank statements for your business account to demonstrate your income and expenses.

Business plan: A lender may ask for a copy of your business plan to evaluate the future prospects of your business and assess your ability to repay the mortgage.

Accountant’s reference: You may be asked to provide a reference from your accountant to confirm your financial status and the viability of your business, sometimes referred to as an ‘accountants letter’.

Bank statements

The lender may ask for bank statements covering the last three to six months to verify your income and outgoings.

You can obtain bank statements covering the last three to six months. Make sure that all the statements show your name, the bank logo, and the full account details. The statements should be unaltered, meaning no crossing our or overwriting. If this is the bank account which your salary is paid into, you should provide us with three bank statements clearly showing the three salary credits from your most recent payslips.

Need help downloading your bank statements? Check out our guide here.

Proof of deposit

You’ll need to provide evidence of where your deposit is coming from, such as bank statements or savings account statements.

You can obtain evidence of where your deposit is coming from, such as bank statements or savings account statements. Make sure that the statements show your name, the bank logo and all of the account details. These statements must also be unaltered.

Proof of address

This could be a recent utility bill, council tax bill, or tenancy agreement.

You can obtain a recent utility bill, council tax bill, or tenancy agreement. Make sure the document shows your full name and address. The document should be recent, ideally within the last three months.

Employment history

The lender may ask for a letter from your employer confirming your employment status and length of employment.

You can obtain a letter from your employer confirming your employment status and length of employment. The letter should be on official company letterhead and show your name, the employer’s name, your position, length of employment, and salary.

Credit history

The lender will run a credit check on you and may also ask for proof of any outstanding debts or loans.

The lender will run a credit check on you, but you can obtain a copy of your credit report for your own reference. Make sure that the credit report is up to date and accurate, and that all outstanding debts or loans are disclosed. We work with a company called ‘Check My File’, and you can obtain a free credit report through them by creating a trial account. Please remember to cancel your trial account before it expires or you may be charged. Click here to access your credit report.

Property details

The lender will need to know the details of the property you’re looking to purchase or remortgage, including its value and any surveys or valuations.

The lender will need to know the details of the property you’re looking to purchase or remortgage, including its value and any surveys or valuations. Make sure that the information provided is accurate and up to date.

Insurance details

You’ll need to provide details of any insurance policies you have in place, such as buildings insurance or life insurance.

You’ll need to provide details of any insurance policies you have in place, such as buildings insurance or life insurance. Make sure that the details provided are accurate and up to date.

Any other relevant documents

The lender may ask for additional documents, depending on your circumstances, such as divorce or child maintenance agreements.

The lender may ask for additional documents, depending on your circumstances, such as divorce or child maintenance agreements. Make sure that the documents provided are accurate, up to date, and show all relevant information.