What documents do I need to apply for a mortgage?


As part of your application, we need to know your last 3 years’ address history with no gaps. We’ll ask for documents such as proof of your income or address to support your application. You’ll need to tell us your outstanding financial commitments as well as details of insurance policies. This could include: 

  •  your home insurance 
  •  mortgage payment protection 
  •  life or critical illness cover, and  
  •  any investment/endowment details you’d like to use to support your mortgage. 

We might need to check your identify. Please use the customer identification requirements for UK residents to help you. 

  • Applying online? Upload the documents we request using our secure mortgage 
    application tracking page.   
  • Applying by phone? Our guide to your application (793 KB) will help you understand the
    steps involved and how to upload the documents we request.   

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We’ll tell you which documents we need you to provide. You can use the information below to help. 
 

We need to see your last 3 months payslips. You must have received them no more than 2 months earlier than your application. Or, if you’re paid weekly, we’ll need your last 4 weeks’ payslips. You must have received them no more than 5 weeks earlier than your application.
 
Your payslip must show:  

  •  your employer’s name. If that’s not on it, we’ll need your latest bank statement showing your salary credit or your latest P60 with your employer’s name on it 
  •  your name, matching how it appears on your application 
  •  payment date or tax period 
  •  net pay, and 
  •  gross pay. 

If you’re self-employed we need one of the following types of evidence to support your mortgage application. 

  •  This accountant’s certificate (425 KB), filled in by an accountant with an acceptable qualification, or, 
  •  Self-assessment tax forms (e.g. SA302) plus supporting Tax Year Overviews for the same period. These can be requested from HMRC or an online HMRC account. 

Use the simple guide below to help make sure you get the right evidence to support your self-employed income.  

Self-employed income guide  (296 KB)

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If you want to use other income to support your application, we’ll need the following documents from you. 

Regular overtime/ bonus/ commission

  • Your last 3 monthly payslips showing this payment or your P60.

Annual overtime/ bonus/ commission

  • Your P60s showing this payment from the last 3 years.

Child benefit 

  • Your most recent HMRC letter (all pages including those that are blank and must not be more than 12 months old) or bank statement showing this payment. 

Working/ child tax credits

  • HMRC letter from current tax year’s award (all pages including those that are blank and must not be more than 12 months old) or bank statement showing this payment.

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.

Fostering income

  • Your local authority letter confirming the number of children and length of time fostering.
  • Bank statements showing the latest three months’ income; or self-employed accounts.

State pension

  • Your DWP letter. 

Private pension/ annuities 

  • Your pension payslip/ statement.

We may need you to show us your bank statement. If we do it must be no more than 2 months earlier than the date of your application and it must show: 

  • your name and address as it appears on your application 
  • debits 
  • commitments, such as regular standing orders, which must match your  
  • application 
  • running balance.

 
If we ask for a full month, you must send us all the pages. 
 
Using bank statements to support your income?  Only  send us the individual page showing the income entry. If this page doesn’t include enough information to confirm it belongs to you, please include the page showing your name and address. 

Online bank statements are acceptable. However, we can’t accept statements where you’ve changed or amended information or it’s difficult to read. 

We need evidence of your address dated within the last 3 months. You could send us:  

  • your latest utility bill (e.g. gas/ electricity/ water BUT not a mobile phone). It must show your address and usage not just the summary page, or 
  • your latest bank statement. 

Whichever one you send us, it must be easy to read.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Applications are subject to status and lending criteria. Applicants must be UK residents aged 18 or over.

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