The Ultimate Mortgage Application Checklist (UK)
Applying for a mortgage is one of the biggest financial steps you’ll take — but it can also be one of the most stressful. The UK mortgage process involves detailed checks, and missing even one document can delay or derail your application.
This guide covers all the documents needed for a mortgage in the UK, why lenders ask for them, and expert tips to prepare for your mortgage application like a pro.
1. Proof of Identity and Address
Before anything else, lenders need to confirm who you are and where you live.
Accepted Photo ID:
Passport
Driving licence
(If you don’t have these, ask your broker to confirm acceptable alternatives.)
Accepted Proof of Address:
Council tax bill
Utility bill
Bank statement
(Usually must be dated within the last 3 months.)
💡 Pro tip: Ensure your name and address match across all documents to avoid red flags.
2. Income Documents — Employed
Your payslips and employment history show lenders your earning capacity and stability.
You’ll usually need:
Latest 3 months’ payslips
Contract or employer letter (if newly employed or had a pay rise)
Evidence of consistent bonuses, overtime, or commission
💡 Pro tip: Include P60 forms to back up your annual income.
3. Income Documents — Self-Employed
Self-employed applicants face stricter proof requirements.
Commonly required:
Latest 2 years’ accounts or SA302 tax returns
Accountant’s certificate (if full accounts not available)
💡 Pro tip: Work with an accountant who knows mortgage lending criteria, they can present figures in the most favourable way. We're happy to contact clients' accountants directly to ensure everyone is on the same page.
4. Income from Other Sources
For pensions, benefits, or child maintenance, lenders will usually request:
Latest provider statement
Bank statements showing consistent payments
💡 Pro tip: Consistency is key — lenders need to see this income is ongoing.
5. Rental Income
Rental earnings can help boost your affordability assessment.
Evidence can include:
Bank statements
Tax returns
Tenancy agreements
If the property isn’t yet rented, some lenders will accept a letter from an ARLA-registered letting agent confirming expected rent.
6. Bank Statements
Most lenders request the latest 3 months.
If you bank online, download PDF copies (screenshots won't be accepted) and check your address is correct.
💡 Pro tip: Avoid gambling transactions and unusual large transfers in the months before your application — they may trigger questions.
7. Proof of Deposit
If from savings: Provide a recent statement from your savings account.
If gifted: A signed letter from the giver stating whether it’s a gift or loan (non-repayable gifts are preferred). We can help you draft a suitable letter if needed!
8. Credit Report
Your lender will run their own credit check, but ordering your own report first is essential. It means you can spot and fix errors in advance, and strengthen your credit file before you apply for your mortgage.
UK credit report providers include: Experian, Equifax, and TransUnion.
You can access an all-in-one multi-agency report through Check My File. #ad Try it here FREE for 30 days, then £14.99 a month - cancel anytime online.
FAQ: Mortgage Documents in the UK
Q: Do I need original documents for my mortgage application?
A: In most cases, certified copies are acceptable, especially if applying online.
Q: Will my bank statements be scrutinised?
A: Yes — lenders look for responsible money management and no unapproved overdrafts.
Q: How far back do lenders check my income?
A: Employed applicants usually need 3 months; self-employed may need 2 years.
Final Word
Being well-prepared is the fastest route to mortgage approval. Having all your documents ready before you apply not only speeds up the process but can also improve your chances of getting a better deal.
📩 Need expert guidance? Our mortgage advisers can help you get 'mortgage ready' and match you with the most suitable lenders. Book your free Intro Call here.
