Documentation

What documentation may be required for self - employed applicants?

• Copies of Tax returns and corresponding tax year overviews for the past three years
• Copies of your business accounts for the last 3 years (if you own a limited company)
• Copies of your bank statements for the past four corresponding months.  Ensure that your receipt of income is visible on your statements as well as payment to ongoing bills. If bills are paid from separate accounts, please provide copies of said account for the corresponding months 
• Copy of a valid driving licence 
• Copy of a valid passport (and residence permit both front and back) If you do not have a valid driving licence or passport, please refer to the government’s proof of identity checklist 
• Copy of credit report which can be obtained here 

What documentation may be required for employed applicants?

• Copies of your four most recent payslips if paid monthly, or sixteen most recent payslips if paid weekly
• Copies of your bank statements for the past four corresponding months.  Ensure that your receipt of income is visible on your statements as well as payment to ongoing bills. If bills are paid from separate accounts, please provide copies of said account for the corresponding months 
• Copy of a valid driving licence 
• Copy of a valid passport (and residence permit both front and back) If you do not have a valid driving licence or passport, please refer to the government’s proof of identity checklist 
• Copy of credit report which can be obtained here 

What documentation may be required for contractor applicants?

• Copy of your current contract: If this contract is set to expire in the next three months, please can you provide either a copy of the renewal contract, a written agreement with the contract holder of how you will be proceeding or a future contract that you will be undertaking following expiration of the current contact.
• Copies of your tax returns and accompanying tax year overalls for the past two years 
• Copies of your bank statements for the past four corresponding months.  Ensure that your receipt of income is visible on your statements as well as payment to ongoing bills. If bills are paid from separate accounts, please provide copies of said account for the corresponding months 
• Copy of a valid driving licence 
• Copy of a valid passport (and residence permit both front and back) If you do not have a valid driving licence or passport, please refer to the government’s proof of identity checklist 
• Copy of credit report which can be obtained here 

Points to note about your deposit

For all the above cases, individuals will need:

• A proof of deposit (if making a purchase)
• Last 4 months bank statements (if the deposit is from savings)
• A gift declaration (if the deposit has been gifted)
• Mortgage offer and memorandum of sale (if the deposit is via another property)

Don’t have the essential documentation?

Don’t worry. It doesn’t necessarily mean you will be unable to get a mortgage without the full documentation.  Talk to one of our friendly mortgage advisors on 01225 962 456 who will be able to advise if you are able to obtain a mortgage.