Mortgage Application Documents

Everything you need to prepare the documents lenders require — clearly explained, step-by-step, and written in plain English.

Being organised with your documents speeds up the mortgage process and helps avoid unnecessary delays. This hub contains guides for:

What lenders look for in proof documents
How to download correct statements (no screenshots!)
How to prepare payslips, tax documents, and more
Common mistakes that cause delays

Your Application Document Guides

Payslips

What lenders expect to see

Learn how payslips must appear, how many months lenders require, and how to avoid common errors.

Open Guide →

Bank Statements

Downloading them correctly

No screenshots — lenders need full, official statements. This guide includes downloads for major UK banks.

Open Guide →

Mortgage Statements

How to obtain yours

A guide on downloading or requesting your annual mortgage statement for remortgage applications.

Open Guide →

Tax Documentation

SA302s, Overviews & more

Step-by-step instructions for downloading your SA302s, Tax Year Overviews and accountant documents.

Open Guide →

Transaction Listings

Download correct versions

Guidance on downloading a lender-approved list of account transactions for affordability assessments.

Open Guide →

Why Lenders Need These Documents

Mortgage lenders must verify your income, spending and financial conduct before issuing a mortgage offer. These documents help them confirm your affordability, employment stability, and identify any risks that might affect your ability to repay the loan.

Incorrect, incomplete or outdated documents are one of the most common causes of delays in the mortgage process — but they’re also the easiest problem to avoid with the right preparation.

Need help getting your documents together?

Our friendly team will guide you through exactly what you need, when you need it — and help you get mortgage-ready with confidence.

Book Your Intro Call

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

IMPORTANT: With investments, your capital is at risk. Pensions and investments can go down in value as well as up, so you could get back less than you invest.

Need Financial Planning Ltd is registered in England and Wales no. 10901658. Registered office, 123 High Street, Broadstairs, Kent, CT10 1NQ. Authorised and regulated by the Financial Conduct Authority. Need Financial Planning Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 977136. If you wish to register a complaint, please write to [email protected] or telephone 01843 228800. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.