UK mortgage guides
UK mortgage documents: guides and checklists
Know what lenders usually ask for before you apply. These guides explain the documents behind a UK mortgage application in plain English.
All guides
Documents you need for a UK mortgage application: the complete checklistA plain-English checklist of the documents UK lenders usually ask for: ID, proof of address, payslips, bank statements, deposit evidence and more, with tips to avoid delays.First-time buyer mortgage documents: what to prepare before you applyBuying your first home in the UK? Here are the documents lenders usually ask first-time buyers for, plus what to prepare for your mortgage in principle, deposit and solicitor.Self-employed mortgage documents: what lenders want to seeSelf-employed and need a UK mortgage? Learn which documents lenders usually ask for, including SA302s, tax year overviews, accounts and business bank statements.Remortgage documents checklist: what you need to switch your mortgagePlanning to remortgage in the UK? Here is the checklist of documents lenders typically ask for, from your current mortgage statement to payslips and bank statements.Mortgage in principle vs full application: what is the difference?A mortgage in principle is not a mortgage offer. Learn how it differs from a full application, what each needs, and when to get one when buying a home in the UK.How to prove your mortgage deposit, including gifted depositsLenders must check where your deposit came from. See which documents prove savings, property sales and gifts, and what a gifted deposit letter usually includes.Mortgage documents for non-UK nationals and visa holdersNot a British citizen and want a UK mortgage? See the extra documents lenders may ask for, such as visa status, share codes and proof of residence, and what to prepare.Why mortgage applications get delayed, and how to avoid itThe common reasons UK mortgage applications stall, from missing documents to unexplained deposits, and a simple way to keep your paperwork organised and ready.