Paperwork needed for a mortgage

Boring old paperwork! Sorry but paperwork is involved. The good news is that we are here to help you.

Below is a list of the papers needed. Simply collect them together and bring them with you when you come to see us, we can then deal with them for you.

Please try to collect as much as you can on the list, the more that you can provide us with the more likely we can get the best mortgage for you.

So here is the list...

Proof of identity and address

All financial firms are required by law to get proof of identity and address.

You need at least one proof of identity and one proof address for each person on the mortgage.

There are five simple rules:

List A - Proof of Identity - normally one of the following

List B - Proof of address - normally one of the following

Confused? For examples, click here.

Proof of income

Each lender has different requirements but if you can get the following then you should be covered for whatever mortgage you decide on.

Employed proof of income

Self Employed/Own Company proof of income

Proof of income for the self-employed (including company director/owners) can be a little complex so we have prepared a special guide for this topic, click here.

Bank statements

Three months bank statements, it needs to be 3 full months, not a day short. If you are downloading them, make sure that you get "previous statements" (normally showing your name and address).

Proof of deposit

We are going to need proof of deposit to prove it is coming from an acceptable source.

Examples are:

For an example gifted deposit letter, click here (opens in a new window).

Credit History

Lenders will examine your financial history. Get your free Statutory Credit Report from Callcredit by clicking here (opens in a new window).

Not on the electoral role for the last 6 years?

When you apply for a mortgage, the lender will carry out a credit search to check your credit history.

Being suspicious souls, if they can't see you on the electoral role for the last 6 years then they may ask for proof that you actually were living where you say you were living. Examples of what they may ask for are credit card or bank statements, one for each six months that you are missing from the electoral role.

Employment contract and benefit booklet

Do you know exactly the terms of your employment and what if any benefits you are eligible for? If you don't know then simply show us your employment contract and employee benefits booklet and we will find out for you.

And remember

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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. We do not usually charge a fee for mortgage advice but you have the option to pay a fee if you wish. Contact us for further details.

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An Appointed Representative of Julian Harris Mortgages Limited, Musgrove, Ashford, Kent, TN23 7UN, which is authorised and regulated by the Financial Conduct Authority no. 304155.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at

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