Identity and address
Your adviser and lender must verify who you are and where you live. The exact acceptable evidence depends on the checks available.
- Passport or driving licence
- Recent proof of address where required
- Three-year address history
- Visa or residency evidence for non-UK nationals
Income documents
The evidence should match the way income is received.
- Payslips and latest P60
- Bonus, overtime or commission history
- SA302s and Tax Year Overviews
- Company or sole-trader accounts
- Current employment or contractor documents
- Benefit or pension award evidence
Bank statements and commitments
Provide complete statements rather than selected pages. Lenders may review salary credits, bills, commitments, overdraft use and transactions requiring an explanation.
Tell your adviser about all loans, credit cards, maintenance, childcare and other regular commitments, even if they do not appear on one statement.
Deposit and property information
The lender and solicitor need to understand where the deposit came from and what is being mortgaged.
- Savings statements and transaction trail
- Gifted-deposit details
- Sale proceeds or equity evidence
- Property address and estate-agent memorandum
- Construction, tenure and service-charge details
- Existing mortgage statement for remortgages
Frequently asked questions
How many months of bank statements are needed?+
Three months is common, but a lender or case may require more. Provide every page for the requested period.
Can screenshots be used?+
Some lenders accept downloaded statements or transaction lists if they show the required details; cropped screenshots are less reliable.
Why do I need to explain large transactions?+
Lenders, advisers and solicitors have obligations around affordability, fraud prevention and source of funds.