What documentation is required for your mortgage application?

During the process of applying for a mortgage, your mortgage broker, and subsequently the lender you apply with, will need to see certain documentation.

The sooner you can provide these documents to your broker the better, as it enables them to work efficiently to find you the right mortgage, and identify any potential issues that may arise during the application process ahead of time.

Here’s some of what you’ll need…

Proof of identity

Examples: Passport, photo card driving licence.

Why: To confirm your identity and prevent fraud.

Things to consider: Make sure your proof of identity is valid and not out of date to avoid any potential delays.

Proof of address

Examples: Photo card driving licence, recent bank statement or utility bill.

Why: To verify where you currently live, and cross reference with your credit report.

Things to consider: Having all documents showing your current address will make your mortgage application simpler and quicker. Living at one address, having ID still showing a previous one, and bank statements with a relative’s address will cause likely issues. You could also potentially face a fine and/or points on your driving licence if the address is incorrect.

Credit report or history

Examples: Check My File credit report* which checks against the three main UK credit reference agencies.

Why: Most lenders will perform a credit check when assessing a application, by sharing your credit report with your mortgage broker they can identify any potential issues and look for the right lender for you.

Things to consider: Avoid any changes or new credit agreements when you are looking for a new mortgage, as these can negatively impact your score in the short term. Find out more about credit scores and their impact on mortgage applications here.

Bank statements

Examples: Last three month’s statements for the personal accounts of each applicant, and any joint accounts.

Why: Lenders will assess spending habits and existing financial commitments, by sharing your bank statements with your mortgage broker they can assess this spending and find the right lender and product for you, as well as giving you a more accurate idea of how much you could borrow.

Things to consider: Your bank statement tells a story of your spending habits, unexplained activity like large cash withdrawals or transfers every month on the day you get paid will raise questions for lenders.

Proof of deposit

Examples: Savings account statements, evidence of a gifted deposit (e.g. a letter from the giver), or the sale proceeds from another property.

Why: To ensure you have the required deposit and that it originates from legitimate sources.

Things to consider: Borrowing from other sources for a deposit and large unexplained sums of money will be of concern to lenders.

This is not an exhaustive list, and lenders could ask for other documents to verify any of the information given during your application or your personal circumstances. Using a mortgage broker should simplify this process, so that you have any documentation that is requested, and that upon receipt the lender is happy to make you a mortgage offer.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Approved by The Openwork Partnership on 10/1/2025.

*The services promoted here are not part of The Openwork Partnership offering and are offered in our own right. The Openwork Partnership accept no responsibility for this aspect of our business.