11/02/2025
When it comes to your mortgage appointment with us, we'll always give you a heads-up as to what to bring with you
If you like to be prepared, though, these are what you should be preparing:
1️⃣ Bank statements – Normally, lenders will ask to see three months’ worth of statements, but they may request up to six months’ worth depending on your circumstances.
2️⃣ Payslips and proof of income – If you're in permanent employment, you'll need to show your latest payslip. The number of payslips needed will depend on how often you're paid. If it’s monthly, the lender will normally ask for three. You'll also need your P60 or HMRC annual tax summary if you’ve been paid bonuses, commission or overtime.
3️⃣ Proof of income if you're self-employed – Your proof of income can be your HMRC tax calculations and overviews. Or, if you use an accountant, we can talk to them and request an Accountant Certificate.
4️⃣ Your ID – For photo ID, you should take your current passport or full UK driving licence photo card. Your lender will also need your proof of address to carry out their anti-money laundering checks, and you can supply a utility or council tax bill for this.
5️⃣ Evidence of deposit – If your deposit comes from savings, you can usually show your bank statements as proof of its origin. But if it’s a gift, you may need to fill in a form or request a letter from the provider.
6️⃣ Proof of residency and nationality – You only need to show this proof if you moved to the UK from a different country.
7️⃣ Other documents – Lenders may request other documents related to residency, income, or expenditure, including information about other loans, mortgages, overdrafts, unpaid bills, insurance products, and details about the solicitor and property seller or estate agent involved in the transaction.
Think carefully before securing your debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited 22/01/2025
