Preparing for your mortgage appointment

Self-employed

Either Accountant’s Certificate, your last 2 years’ accounts or tax calculations (SA302s). Plus, Tax Year Overviews (TYOs) covering your last 2 years.
Also, if you borrow more than 90% of the value of your home, we need your last 3 years’ accounts or your last 3 years’ SA302s and TYOs.

Contracts (fixed/short-term)

Copy of contract and evidence of your income e.g. payslips.

Overtime/bonus/commission​​​​​

If you get regular overtime/bonus/commission - copies of your last 3 monthly payslips showing this payment or your P60. If we need additional evidence/payslips we'll let you know.
If your overtime/bonus/commission is annual - your P60s from the last 3 years.

Pensions

For state pensions - your DWP letter.
For private pensions/annuities - your pension payslip/statement.

Child benefit

Your most recent HMRC letter or bank statements showing this award.

Fostering income

Your local authority letter confirming the number of children and length of time fostering.

Working/child tax credits

HMRC letter from current tax year's award or bank statements showing this award.

DWP state benefits

Your latest DWP/HMRC letter confirming the type and amount of benefit which shows how long this benefit will be paid for.

Universal Credit

Your latest Universal Credit payment summary (dated within 1 month of application) including earned income, what you’re entitled to, what we take off and your total payment for this month. We’ll also need evidence of your last 6 months’ payments (from your Universal Credit account).