Paperwork needed for a mortgage

Boring old paperwork! Sorry but paperwork is involved.

The good news is that we are here to help you.

Below is a list of the papers needed. Simply collect them together and bring them with you when you come to see us, we can then deal with them for you.

If there is anything that you don't have, don't panic. We can negotiate with lenders for you, search for a lender that only requires what you have or advise you on how to get what is required.

If you are in the habit of throwing away the listed papers, start keeping them so that your choice of lender will increase.

So here is the list...

Proof of identity and address

All financial firms are required by law to get proof of identity and address.

You need at least one proof of identity and one proof address for each person on the mortgage.

There are five simple rules:

List A - Proof of Identity - normally one of the following

List B - Proof of address - normally one of the following

Confused? For examples, click here.

Proof of income

If you were looking for a Self-Cert mortgage then we have some bad news - they don't exist anymore.

Each lender has different requirements but if you can get the following then you should be covered for whatever mortgage you decide on.

Employed proof of income

Self Employed/Own Company proof of income

Proof of income for the self-employed (including company director/owners) can be a little complex so we have prepared a special guide for this topic, click here.

Bank statements

Each lender has different requirements but if you can get three months bank statements together then you should be covered for most eventualities.(to be safe it needs to be 3 full months, not a day short)

Proof of deposit

We are going to need proof of deposit to prove it is coming from an acceptable source.

Examples are:

(For an example gifted deposit letter, click here (opens in a new window).)

Proof of mortgage payments

Are you a homemover or remortgaging?

Lenders will want to see that you have been making your mortgage payments.

With any luck that will show on a credit search when you apply for your new mortgage but just in case it isn't, dig up your latest mortgage statement, at the very least the details on it will help you fill in the application form when you come to apply.

Not on the electoral role for the last 6 years?

When you apply for a mortgage, the lender will carry out a credit search to check your credit history.

Being suspicious souls, if they can't see you on the electoral role for the last 6 years then they may ask for proof that you actually were living where you say you were living. Examples of what they may ask for are credit card or bank statements, one for each six months that you are missing from the electoral role.

Employment contract and benefit booklet

Do you know exactly the terms of your employment and what if any benefits you are eligible for?

If you don't know then simply show us your employment contract and employee benefits booklet and we will find out for you.

Existing Insurances

Do you have existing life/critical illness/income protection insurance?

If you do you probably have pile of paperwork from the insurance company, at least 50% of which is waffle. Don't worry about sorting it out, show us all the papers and we will go through the paperwork and summarise the details for you.

And remember


Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. We do not usually charge a fee for mortgage advice but you have the option to pay a fee if you wish. Contact us for further details.

© Slough Mortgage Centre Limited MMIX - MMXVII. All rights reserved.

An Appointed Representative of Julian Harris Mortgages Limited, Musgrove, Ashford, Kent, TN23 7UN, which is authorised and regulated by the Financial Conduct Authority no. 304155.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.

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