What documents do you need from me?

Initially, we won’t need any documents. However, if you are looking to proceed with a quote or if we need to carry out an affordability assessment to get you a quote this is what we would need:

 

Affordability Assessment

  • Latest 3 months payslips or latest 3 years tax returns
  • An up-to-date credit report dated within the same month
  • Latest 3 months bank statements showing daily expenditure and income (salary credit if employed)

 

Agreement in Principle

Below is a list of the minimum documents we will need to get you moving forward with an Agreement in Principle:

  • Passport to confirm your legal name (Must be valid and in date) or Drivers Licence  (Must be valid and in date)
  • Income proof that matches your application (either your latest 3 months payslip or your latest 3 years tax return)
  • Latest 3 months bank statements showing daily expenditure and income (salary credit if employed)
  • Proof of Deposit
  • Memorandum of Sale (or Rightmove / Zoopla link to the property details if no sale agreed)
  • An up-to-date credit report dated within the same month

 

Mortgage Application

The lender may require further documents to this list, but for now, these are the standard document requirements:

  • Latest Mortgage statement (Remortgage only)
  • Passport (Must be valid and in date) or Drivers Licence  (Must be valid and in date)
  • Income proof that matches your application (either your latest 3 months payslip or your latest 3 years tax return)
  • Latest 3 months bank statements (the bank statements provided must show your income being credited and general expenditure going out)
  • Latest Council Tax Statement or Utility Bill dated within the last three months
  • Memorandum of Sale (or full details of property, your solicitors and estate agents)
  • Proof of Deposit
  • An up-to-date credit report dated within the same month