Mortgage Documentation


One of the most important parts of the mortgage application process is the documentation that the lender will require you to provide. It is advisable to start to get this together as quickly as possible so as to not delay the application when it is submitted to the lender.

Below is a list of the documents you should have for any application. Lenders may request additional information in some cases, but these will cover most situations: 

Proof of Identification

A copy of a valid passport or driving licence.

Proof of Address

A utility bill or bank statement dated within the last 3 months to confirm your home address.

Proof of Income

If you are employed, this will be 3 months (or 13 weeks) payslips and your last P60. 

If you are self-employed, this will be your last 3 years tax computations and Tax Year Overviews (these are available from your accountant or the Inland Revenue). It will also help to have your last 3 years business accounts.

Please note that if you are Ltd company director with 25% or greater shareholding, you will be treated as self-employed by mortgage lenders.

If you receive any other income, such as tax credits or maintenance, you will need to provide evidence of this, such as award letters or bank statements.

Bank statements

These should be from the last 3 months and show your income being paid in and your normal outgoings. If you use more than 1 bank account for this, you will need to provide this for all accounts. You can download from your online banking but please note, these need to be full bank statements showing your name, address, account number and sort code as well as the bank logo. They should not be lists of transactions as these are not acceptable by mortgage lenders.

Proof of Deposit

If you are providing a cash deposit (as opposed to equity in an existing property) you will need to provide evidence of this. This can be a bank/investment statement or if receiving a gifted deposit, a letter from the person making the gift.It is worth noting that the person making the gift may also be required to provide a statement showing the funds. This is to satisfy anti-money laundering legislation.

Existing Lender Mortgage Statement

If you have an existing mortgage, the latest mortgage statement from your lender. These should be issued at least annually.

Existing credit commitments

Such as loans, car finance, credit and store cards, etc. The best way to do this is to obtain a copy of your credit file. There are plenty of websites that can provide this information. At Barlow-Irvin, we recommend checkmyfile as we find that this provides the most comprehensive detail of the sites available.

You can get a Checkmyfile 30-day free trial, where you can register and download a PDF copy of your full report. After the 30 day free trial, there will be a monthly membership charge. If you cancel before the end of the free trial, you will not be charged at all.

The easiest and most secure way to send these documents to us is through our document upload system, which will save them directly into your Barlow-Irvin application file.

About the author 

Gary Oxborough

Gary is the Founder and Director of Barlow Irvin Financial Services Ltd. He has been in the Finance industry for over 20 years and has specialised in Mortgages since 2003. As well as running the firm, he is still actively involved in advising clients.

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