The Mortgage Document Checklist: What you need to have ready

The Mortgage Document Checklist: What you need to have ready

Dec 20, 2025

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:

  • 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.

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