Every mortgage application needs the same handful of documents. Choose what you are doing and how you are paid, and we will show you exactly what to gather so you are ahead before we have even spoken.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
For every applicant
Whatever you are doing, every person on the mortgage needs these.
Photo ID: passport, or driving licence (both sides)
Lenders must verify who you are before they will consider an application.
Proof of address, dated within the last 3 months
A utility bill, council tax bill or bank statement showing your current address.
Last 3 months of bank statements
For every current account you use. Lenders look at income arriving and regular outgoings. Download PDFs from your online banking rather than screenshots.
A copy of your credit report
We check it before any lender does, so nothing surprises us later. Get yours through our link.
Your accountant will have these. Lenders use salary plus dividends, or in some cases net profit.
Last 3 months of business bank statements
Shows the income actually arriving in the business and supports the accounts and tax returns.
Your CIS contract and recent CIS statements
The contract showing your rate and term, plus the last 3 months of CIS payment statements or invoices.
For this type of mortgage
A few extras depending on what you are doing.
Evidence of your deposit
Savings: statements showing the balance building up. Gift: a statement from the giver and a short signed letter confirming it is not repayable. ISA or LISA: the account statement.
Your Lifetime ISA statement, if you are using one
The bonus can only be used for a first home, so the lender and solicitor need to see the account.
Your current mortgage statement
From your existing lender. It shows the balance, the rate and any early repayment charge that affects when you move.
Memorandum of sale, once your sale is agreed
From the estate agent. Confirms the sale price and the chain, which the lender uses for the deposit from your sale.
How your current home will be covered
If you are keeping it and letting it out, a letting agent appraisal or the tenancy agreement. If you are keeping it as a home, we just need the mortgage statement.
Your most recent mortgage statement
Downloadable from your current lender. It confirms the balance, rate, term and when your deal ends.
The latest statement for every loan or card being cleared
Lenders need to see the balance and the monthly payment of each debt being consolidated, and your credit report needs to match.
What the money is for
A short note on the purpose of the extra borrowing. For home improvements a builder quote or estimate helps. For buying another property, the details of that purchase.
A rental appraisal or letting agent letter
An estimate of the rent the property will achieve. Lenders use this to decide how much they will lend.
Tenancy agreement and rental income evidence
The current AST plus 3 months of statements showing the rent arriving.
Company documents for your limited company
Certificate of incorporation, the SIC codes (usually 68100 or 68209), ID for every director and shareholder, and the last 3 months of company bank statements.
Your own mortgage statement, or proof you own your home
Most buy to let lenders want you to own your own home. If you rent, tell us early so we can choose a lender that accepts that.
Your Right to Buy offer notice
The Section 125 offer notice from your landlord, showing the price and the discount.
Your tenancy history
A letter or rent statement from the council or housing association confirming how long you have been a tenant.
The housing association approval letter
Confirming you have been accepted for the scheme and the share you are buying.
The memorandum of sale and affordability assessment
The housing association or agent issues both once your share is agreed. The lender needs the rent on the remaining share.
Evidence of your deposit
Statements showing where the deposit is coming from, or a gift letter and statement from the giver.
Got most of it together?
Start your enquiry now, then send your documents over on WhatsApp or by email as you gather them. We will tell you if anything is missing.
A few tips. PDFs downloaded from your bank or HMRC are always better than photos of a screen. Joint applicants each need their own ID, bank statements and income evidence. If your situation is unusual (a recent job change, foreign income, a large gift, a second property) just tell us at the start and we will let you know exactly what to gather.
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Your home may be repossessed if you do not keep up repayments on your mortgage.
Please be aware that by clicking onto the above link you are leaving the MakeMyMortgage Ltd website. Please note that neither MakeMyMortgage Ltd nor PRIMIS Mortgage Network are responsible for the accuracy of the information contained within the linked site accessible from this page.
