One of the biggest causes of delays in buying a house isn’t the bank – it’s the paperwork.
Lenders are forensic when checking your finances. If you can gather these documents before you apply, you can often shave a week or more off the process.
The “Standard” Pack
For almost every application, you will need:
Lenders are forensic when checking your finances. If you can gather these documents before you apply, you can often shave a week or more off the process.
The “Standard” Pack
For almost every application, you will need:
- ID: Passport or Driving Licence (in date!).
- Proof of Address: A utility bill or bank statement dated within the last 3 months.
- Bank Statements: The last 3 months of your main current account (showing your salary going in and rent/bills going out).
- Proof of Deposit: A savings statement showing the funds are in your account.
For Employees (PAYE)
- Payslips: The last 3 months (or 13 weeks if paid weekly).
- P60: Your most recent one.
For the Self-Employed
- Tax Calculations (SA302s): Usually for the last 2 years.
- Tax Year Overviews: These must match the SA302s.
- Company Accounts: If you are a Limited Company Director, lenders may want to see your full finalised accounts.
Top Tip:
Don’t send screenshots from your phone app. Lenders usually reject these. Download the official PDF statements from your online banking.
