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.

ID Documents​

  • 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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