🔹 Proof of Identity and Address

Lenders must verify who you are and where you live.
You’ll usually need to provide:

• Passport or UK driving licence (for photo ID)

• Utility bill, council tax bill, or bank statement (dated within the last 3 months, for proof of address)

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🔹 Proof of Income

For employed applicants:

• Last 3 months’ payslips

• Most recent P60 (shows your annual income and tax paid)

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For self-employed applicants:

• SA302 forms or Tax Calculation from HMRC (last 2–3 years)

• Tax Year Overviews from HMRC (matching the SA302s)

• Company accounts (if you operate as a limited company, usually 2–3 years’ worth)

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For other income sources:

• Benefit award letters

• Pension statements

• Investment income evidence

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🔹 Bank Statements

• Typically last 3–6 months’ statements from your main current account(s)

• These show your income, regular spending and any other financial commitments

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🔹 Deposit Evidence

• Savings statements or ISA statements if using savings

• Gifted deposit letter if money is being gifted by a family member (the lender will often require proof that it is a gift and not a loan)

• Sale memorandum if deposit is coming from selling another property

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🔹 Existing Commitments

If you have other loans, credit cards, or financial commitments, you may need to provide:

• Loan statements

• Credit card statements

• Details of child maintenance or other regular outgoings

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🔹 Proof of Property Details

Once you’ve found a property, the lender will usually require:

• Mortgage illustration / Key Facts Illustration (from your adviser)

• Sale memorandum from the estate agent or solicitor

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⚠️ Important Notes

• Lenders may ask for additional documents depending on your situation (e.g. if you’re newly self-employed, recently changed jobs, or buying under a government scheme).

• Documents must usually be originals or certified copies and up to date.

• Your adviser will guide you on what’s needed for your specific application.

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