Your lender may want to see any or all of:

  1. Your last three months’ bank statements.
  2. Your last three months’ payslips.
  3. Proof of bonuses/commission.
  4. Your latest P60 tax form (showing income and tax paid from each tax year)
  5. Your last three years’ accounts or tax returns.
  6. Proof of deposits (eg, savings account statements)

How long should you be debt free before applying for a mortgage?

Try not to open new credit lines in the six months before applying for a mortgage. This could increase your debt-to-income ratio, which may reflect badly on your ability to repay any mortgage loans.

What do you need to know before applying for a mortgage?

Mortgage Application Information By the time you’re ready to apply for a mortgage, you may have already submitted documents needed for a mortgage preapproval. The lender may ask for further documentation now that you’ve found a home, agreed on a price with the seller and asked the lender to help you finance the purchase.

Do you need to upload documents to apply for mortgage?

Lenders require a fair amount of information before agreeing to give you a mortgage, but you can save yourself time and effort by only uploading the documents they need to see. There are a few things you can do to make sure we can help with your application as quickly as possible.

What kind of documents do you need to buy a house?

If you’re buying a home, you’ll need to provide a few extra documents. Proof of deposit – either a saving statement or a bank statement. Or, if the deposit is a gift, we’ll provide you with a ‘Confirmation of Gifted Deposit’ form for you to fill in, alongside three months of bank statements of the person gifting the deposit.

What do you need to know before buying a home?

If you’re thinking of buying a home in the near future, your first task may be to speak with a mortgage broker or lender to find out where you stand financially. More specifically, you’ll want to know how much you can afford and what type of mortgage product might be best for you when it comes time to apply for a home loan.