Documents you'll need for a loan or mortgage

When applying for either a loan or a mortgage, we need to ask for certain identification documents and proof of your financial situation. You can find details below for each type of application.

Your address history

We need to know your address details for the last three years.

Your income

For proof of your income, we need to see your last three months' payslips (or four weeks if you're paid weekly). You can also submit a P60 as proof of an annual bonus or a recent HMRC letter to include any child benefit.

If you're self-employed, you can use either a SA302 with a Tax Year Overview covering the last three years, an accountant’s certificate or your last three years’ accounts.

If you want to use other income to support your application there may be other documents you need, for example your P60.

Your outgoings

We'll want to see your last three months' bank statements to show your outgoings, such as food and household bills.

We also need to see details of any outstanding financial commitments, such as loans or credit cards. Plus details of insurance policies e.g. home insurance, mortgage payment protection, life or critical illness cover, and any investment/endowment details you wish to use to support your mortgage.

If you're making an application in a branch, please also bring your driver's licence or passport.

Before you apply for a loan, take a moment to look through the Personal Loans Key Facts Document (pdf) to get an idea of loan purposes we're unable to lend for.

Once you're happy the purpose of your loan is suitable, you can apply online with the following details.

Your address history

We need to know your address and property details for the last three years.

Your employer's details

The name, address and phone number of your employer.

Your bank or building society details

Your account number and sort code of the account where the loan repayments will be taken by Direct Debit.

Please note that when you apply for a personal loan we will conduct a credit check.

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