Don’t let missing or incorrect documents delay your dream home

Buying your dream home is exciting, but one of the most common reasons mortgage applications stall is surprisingly simple: missing paperwork.

A mortgage broker can handle around 90% of the hard work involved in securing your mortgage. From finding the right lender to navigating complex criteria, we're here to make the process smoother and less stressful. However, even the best broker can’t move forward without the right documents from you.

To get started, you’ll need a few essentials. These typically include photo ID, recent bank statements, pay slips (or tax returns if you’re self-employed), and access to your credit file. These documents allow your broker to assess affordability, verify income, and present your application accurately to lenders.

If you’re planning to start house hunting in the new year, getting these documents ready in advance can save valuable time and prevent unnecessary delays. Being prepared means your broker can act quickly when the right property comes along.

Simply put, no documents means no mortgage application. Get organised early, and keep your dream home firmly on track.