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UK mortgage guide

First-time buyer mortgage documents: what to prepare before you apply

· 6 min read

If you are buying your first home, the paperwork can feel like a lot. Lenders ask for much the same things whether you are a first-time buyer or not, but you will have extra items to prepare, such as proof of savings and rental history. This guide helps you get ready.

Before you start: your credit file

First-time buyers often have shorter credit histories. Check your credit reports with the main credit reference agencies, fix any errors and make sure you are on the electoral roll at your current address. These things help lenders verify you.

Documents most lenders ask for

  • Passport or photocard driving licence
  • Proof of address (a recent utility bill, council tax bill or bank statement)
  • The last 3 months of payslips and your latest P60
  • The last 3 months of bank statements (sometimes 6)
  • Evidence of your deposit and savings history
  • Details of loans, credit cards and other commitments

Your deposit and savings history

Lenders want to see how long your deposit has been building. Regular savings that go into an account over several months look more reassuring than a sudden large deposit. If you use a Lifetime ISA or a Help to Buy ISA, keep the statements and any bonus information.

Rent history

Some lenders look at how reliably you have paid rent. Keep your tenancy agreement and be ready to show regular rent payments on your bank statements. A reference from your landlord can help if one is requested.

Mortgage in principle first

A mortgage in principle (also called a decision in principle) is an early indication of how much a lender might lend. It usually involves a soft or hard credit check and basic information about your income. It is not a guarantee, but estate agents often want to see one when you make an offer.

What happens after your offer is accepted

  1. Submit your full mortgage application with all your documents.
  2. The lender arranges a valuation of the property.
  3. The lender makes a mortgage offer, if satisfied.
  4. Your solicitor completes legal checks and prepares the exchange of contracts.

Frequently asked questions

Do first-time buyers need different documents?

The core documents are the same, but first-time buyers often need to show deposit and savings history and sometimes rental history.

How early should I get a mortgage in principle?

Many people get one before they start viewing properties, so they know their budget and can move quickly when they make an offer.

Does a mortgage in principle guarantee a mortgage?

No. It is an indication based on the information you provide, and the lender will still carry out full checks when you apply.

Sources and further reading

More mortgage guides

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