There are a few documents we will always want to see.
Your latest month's bank statement
We will need to see statements showing your income and outgoings. This will allow us to properly assess your circumstances and make sure we recommend the right mortgage for you.
The easiest way to send us your bank statements is to log in to your online banking account and download your statements directly to your computer. There’s no need to scan anything this way, and the statements will be automatically saved to PDF format.
Proof of income:
Employed income:
Last 1 month’s payslip. 2 required for overtime to be taken into account.
Last 1 months personal bank statements showing income and expenditure
Self-employed income:
Last 2 years SA302s with their corresponding Tax Year Overviews
Last 3 months business bank statements
Last 1 months personal bank statements showing income and expenditure
Last 2 year’s limited company accounts certified by a suitably qualified accountant (Where applicable)
Proof of deposit
Your conveyancer will want to see the funds you have earmarked for the deposit. This can be 3 months of saving statements or bank statements.
Your identity verification
Your mortgage broker will verify your identity for us. You’ll usually be asked for photo ID e.g. a passport or driver’s license.
Your address verification
We verify your address by checking the electoral roll.
If you aren’t registered to vote, we may ask for council tax bills, utility bills, and bank statements are all accepted forms of address ID. They must be dated within the last three months.
Please note, there are a few more documents you might also be asked for, for example:
Evidence of any additional income (bonuses, commission, overtime, etc)
Evidence of non-earned income (maintenance, tax credits, child benefit, etc)
Evidence of right to reside (visas or residency cards)