What do I need to provide for a mortgage
Here’s a list of the minimum information you’ll need to provide, though different lenders will ask for different things.
- Passport ideally, though lenders will also accept a full UK driving licence showing your current address.
- If you don’t have a British or EU passport, or a passport from Norway, Switzerland, Iceland or Lichtenstein, lenders will also want to see your residency card or visa.
Proof of name and address
- Bank statement showing your name & address
- Council tax statement for the current year
- Utility bill from the last 3 months, which can be water, landline, internet, electricity and gas bill (but not a mobile phone bill)
Proof of income and deposit
- Your last 3 payslips
- Your last 3 bank statements, showing your name, address and your salary credit (if you have separate bill paying accounts, we will also need the last 3 months of these)
- If you’re self-employed, your last 3 years of tax returns and tax year overviews (or however many you do have if it’s less than 3 years’ worth)
- Proof of other types of income, like bonuses and rental income
- Proof of your deposit (like a bank statement)
- If your deposit is a gift, you’ll need a letter from the person giving it to you confirming they don’t expect it to be repaid
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Striving to create perfection in an ever growing collection of beautiful properties.David Westgate, Group Chief Executive