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Documents Checklist

UK mortgage guide

Why mortgage applications get delayed, and how to avoid it

· 5 min read

A mortgage application can stall for reasons that have nothing to do with your finances. Often it is the paperwork. These are the most common causes of delay and how to prevent them.

The most common causes

  • Missing or out-of-date documents, such as a proof of address older than 3 months
  • Names or addresses that do not match across documents
  • Cropped or unreadable scans and missing pages
  • A deposit that cannot be traced or a gifted deposit without a letter
  • Not responding promptly to lender questions
  • Changes in your circumstances during the application, like a new loan or job

Avoid problems before you apply

  1. Make a checklist of the documents you need and tick each one off.
  2. Check the dates on proof of address, payslips and bank statements.
  3. Read each scan to make sure all pages are present and legible.
  4. Make sure your name is written the same way across documents.
  5. Explain any unusual transactions in advance.

Keep your finances steady

Avoid opening new credit, making large purchases, changing jobs or moving money around between accounts while your application is in progress. Lenders can re-check before completion.

Organise your documents in one place

Instead of searching through emails and phone galleries each time a lender asks for something, keep every document in one organised folder with consistent names. A tool like Documents Checklist lists what a UK mortgage application typically needs, checks files as you add them and keeps everything ready to share.

Frequently asked questions

How long does a mortgage application usually take?

It varies by lender and circumstances. Having all your documents ready can reduce the time spent waiting on requests.

Can I change jobs during a mortgage application?

It can affect the outcome. Speak to your adviser or lender before you make changes.

What if my document is slightly out of date?

Lenders usually set recency rules, such as 3 months for proof of address. Get a newer document rather than risk a delay.

Sources and further reading

More mortgage guides

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