Documents required for each applicant:
Valid EU passport or photo driving license or Valid EU ID card (1)
Utility bill less than three months old
Latest 3 consecutive payslips and latest P60
Latest 3 consecutive months bank statements
If self employed:
Latest 3 years accounts or SA302’s as per requirements of lender to be recommended (Get your SA302 tax calculation – GOV.UK).
If you are not using existing property equity as deposit:
We will require proof of deposit by way of a recent bank statement or gifted deposit letter (please ask us for sample wording). Please note the ‘Donor’ of the gift will be required to provide ID and address verification.
If you have an existing BTL property or you are planning to Let out your existing main residence:
You will need to provide a copy of the BTL mortgage offer or if the mortgage is not a BTL product, you will need proof you have ‘Consent to Let’ from your mortgage lender.
If you wish to use other income in support of your mortgage we will require:
For State Benefits / tax credits / child benefit: we require HMRC benefits letter quoting payments and frequency (please obtain all pages – can be up to 8)
For State Pension income: this can be proven by HMRC letter / bank statement
For other pension income: P60 / letter from provider
For Buy to let mortgages:
Rental income for BTL mortgage applications can be proven with a formal ASTA or tenancy agreement.
If BTL is not rented out then a letter from a suitably qualified letting or state agent will normally suffice.
We can take documents printed off the internet for any of the above (except ID) as long as the https address is showing on the print off.
Please ensure you make us aware of any credit problems you have had in the past – no matter how long ago. We can usually source a mortgage in these circumstances, but we need to know before we apply!
- For Non EU passports we also require a copy of page showing “Indefinite leave to remain in the UK” visa.