Document Checklist

To help you prepare the correct documents to support your mortgage application, please read the information below.

Malcolm Davidson – Managing Director

In order to make sure you’re prepared ahead of time, please feel free to watch the above video or take a look at our checklist below.

Documents Required

Proof of ID & Address

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Firstly, you'll need to provide proof of who you are and where you live.

Proof of ID - Passport, driving licence.

Proof of Address - Passport (if not used for proof of ID), driving licence (if not used for proof of ID), council tax bill.

Proof of Income

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One of the most important things that lenders will want to know is 'how much do you get paid'.

Proof of Income for an Employed Applicant - Last 3 months' payslips or 13 weeks' payslips if you're paid weekly.

Proof of Income for a Self Employed Applicant - 2 years' tax calculations & tax year overviews.

Proof of Income for a Zero Hour Contract Applicant - 52 weeks' payslips.

Bonuses, commission & overtime will be evidenced on your payslips or P60.

Proof of Affordability

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Lenders need to know how well you conduct your finances and whether you're a reliable customer or not.

Proof of Affordability - 90 days of bank statements.

Lenders will pay particular attention to your salary, outgoings, recurring bills, bounced direct debits and gambling transactions.

Overdrafts are generally okay, as long as you are living within your means.

Proof of Deposit

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Although this can be the hardest part to evidence on your document trail, it's essential that you provide proof of how you got your deposit.

Proof of Deposit - If the savings have been built up in an account over time, this will be evidenced on your bank statements.

Proof of Gifted Deposit - Keep the lump sum inside the donor's account.

Large bank transfers may force your lender to ask questions. Large credit transfers will always need to be evidenced for anti-money laundering purposes.

8 Reasons to choose UK Moneyman

Open 7 days a week until late.

We're flexible around your work and family, we'll be there when you need us.

No cost to you consultation.

No upfront fees payable, we are paid on results only.

You'll get your own dedicated case handler.

You'll always know who you are dealing with.

We're on your side, we work for you.

No vested interests, do you want your builder or estate agent knowing your maximum lending when you're trying to negotiate your price, you'll receive a mortgage tailored to your needs.

We're authorised by the Financial Conduct Authority, a consumer watchdog for financial services.

Meaning you're safe and protected by our process, providing peace of mind. We take all the responsibility for the advice.

1000s of potential options.

We shop around for the cheapest deal for you, saving you time and money.

We're experienced and knowledgeable.

There isn't a situation we haven't come across before, we fully understand your needs.

It's not just about the mortgage.

We'll help you overcome hurdles that you face along the way, for example, removing the stress of property survey and valuation problems.

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UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

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