What documents should I have ready for the mortgage application?

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Quite simply, it’s the documents that get you the mortgage. We like to think we’re pretty good, but without your documents, we can’t really know how your mortgage application will go! It’s essential we check your documents before we apply, to be confident in the outcome.

We call this Packaging the mortgage. It not only gives us the confidence that your mortgage will move through the assessment process quickly, but it also helps us pre-empt and solve any hiccups that might have otherwise occurred.

There are some key areas that your documents will need to satisfy, as outlined below. You will need documents to prove:

  • Identification- Who you are.
  • Address- Where you live.
  • Income- What you earn.
  • Expenditure- What you spend and in turn, what you can afford.
  • Deposit- Where your funds have come from.

Once we have the above documents your mortgage will be submitted and you’re off to a great start!

You will be pleased to hear that the mortgages are becoming more and more 21st century. Lenders want to make your life as easy as possible nowadays, meaning they can accept good quality copies of documents. It’s important to note that lenders reserve the right to request originals, but in many instances they can agree your mortgage, without you needing to venture to the post office!

If you don’t have access to a scanner, we recommend a smartphone app called ‘Camscanner’ which converts your phone into a virtual scanner and even converts the documents to PDF format for you.

Here are the documents we typically require for each mortgage applicant.



One of the below*

Valid Passport

Valid Driving Licence

EU/EEA National Identity Card

Northern Ireland Voters Card

Firearms certificate or shotgun licence


Two of the below*

Recent Utility Bill

Valid Driving Licence

Recent Banking Correspondence

Council Tax Bill

Benefits notification letter


Employed – Last three months’ payslips

Self Employed – Last three years Tax Calculations with accompanying Tax year Overviews

Any other income will be verified via bank statements


Bank Statements

We will need to see the last three months bank statements. These statements will need to show your income and general day to day expenditure so occasionally more than one account is required.


Savings account statement

Gifted deposit letter from the giver. *your adviser will help you with this.


















Depending on your situation you may need other documents as well. You will be informed ASAP if any further documents are required.

Your Home may be repossessed if you do not keep up repayments on your mortgage or another debt secured on it

The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.

Our typical fee is £450 and only paid when your offer is produced. This means that if we’re unsuccessful in getting you the mortgage you won’t pay a fee, giving you the confidence you need from a broker.

Advantage Financial Solutions is a trading style of TRM Financial Ltd, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Registered Office: 70 St. Johns Close, Knowle, Solihull, England, B93 0NH.  Registered in England and Wales no. 09832887.