When applying for a mortgage, lenders will request documents to verify that you can afford to keep up with mortgage repayment on a monthly basis now and in the future.
Listed below is the information and documents required to assess affordability and apply for a mortgage:
- The ID for each applicant – Passport or Driving License
- Full three months’ bank’s statements personal
- Full three months’ payslips and P60
- Proof of bonuses/commission for last 2 years
- Mortgage statements for each mortgage you own
- Buy to Let mortgage applications – EPC (Energy Performance Certificate), which can be downloaded directly from the EPC register: epcregister.com
- Rental Agreements or Banks statements showing the rental amount for Buy to Lets
- Loan agreements for any loans
- Proof of deposit
- Copy of your credit report for each applicant – gain access from checkmyfile.com
- Solicitors Details
- Schedules for insurances you may have in place now i.e. Life insurance, Critical Illness etc.
For self-employed clients and those with Buy to Let properties:
- Last two years’ signed accounts for Limited company owners
- Last two years’ Tax Calculation (SA302) & Tax Overview
We’ll send you a link by email to our secure portal. This will explain how you can provide your documents to us electronically when the time comes.
Are you looking for a mortgage? Contact one of our mortgage experts today to see if we can help you.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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