30/07/2026
When you're embarking on a journey to purchase your first property, move to a new home, or remortgage an existing one, there are several essential documents you'll need to gather. 🏡
These documents are crucial for the various stages of the process, and ensuring you have them ready can help to streamline the process, making it smoother and less stressful.
1. Proof of Identity: This is a fundamental requirement for any property transaction. You'll need to provide government-issued identification, such as a passport or a driver’s license. 🛂
2. Proof of Address: Lenders and solicitors will require proof of your current address. If you haven't used your driving licence as proof of ID, that is usually the preferred document but this can also be evidenced through recent utility bills, bank statements, or a council tax statement. Ensure these documents are up-to-date, usually within the last three months.
3. 3 months bank statement for all of you bank accounts including savings accounts. 📜
4. Proof of Deposit: For property purchases, you will need to show evidence of the deposit you are putting down. This could be in the form of a bank statement showing the funds in your account. If you’re receiving help from a family member, a gifted deposit letter may also be required.
5. Mortgage Statement- the most recent mortgage statement you have (if you already own your property)
6. Proof of Income: Demonstrating your ability to finance the property or meet mortgage payments is critical. You’ll need to provide recent payslips, usually from the last three if paid monthly, or 13 if paid weekly, or, if you’re self-employed Tax calculations and tax year overviews. 🤑
7. Credit Report: Your credit report gives lenders an overview of your financial behaviour and history. It’s important to review your credit report before applying, to ensure there are no errors or issues that could affect your application. Lenders will typically run their own checks, but being aware of your credit status in advance can help you address any potential problems early on.
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Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% of the amount borrowed
