What Documents Do I Need to Apply for a Mortgage?

Applying for a mortgage? Let’s not waste time—here’s exactly what documents you’ll need to get started.

✅ The Key Mortgage Documents You'll Need

When you apply for a mortgage in the UK, most lenders will ask for the following documents: Having these ready in advance can make the whole process quicker and smoother.

1. Proof of Identity

• Valid Passport or Driving Licence.

  This helps lenders confirm who you are and is required for legal and security reasons.

  
  

2. Proof of Income

This is how lenders decide how much you can afford to borrow.

• If you’re employed:

  • Last 3 months’ payslips

  • Latest P60

• If you’re self-employed:

  
  

  • 2–3 years of SA302 tax calculations

  • Full accounts prepared by a qualified accountant

  • Possibly an accountant’s reference

3. Bank Statements

• Usually 3 to 6 months’ worth.

  These show your spending, financial commitments, and ability to save.

4. Proof of Deposit

• A bank statement showing where your deposit is held

• If gifted, a signed letter from the person gifting the money stating it’s not a loan and no repayment is expected

5. Credit Report (Optional but Useful)

While not always required, a credit report can help identify any issues that might affect your mortgage application.

📁 Additional Documents Lenders May Need (Depending on Your Situation)

Depending on your personal circumstances, you might also be asked to provide:

• Proof of any benefits or additional income

• A tenancy agreement (if currently renting)

• Divorce or separation agreements (if applicable)

• Child maintenance evidence

• Details of other properties you own

🧾 Why Do Lenders Need Documents?

Lenders are required to fully assess your ability to repay the mortgage—not just now, but in the future if rates rise. All this documentation gives them the full picture of your financial health, so they can make a responsible lending decision.

🕒 How Long Does the Mortgage Process Take?

If you’ve got everything prepared, you could get a Decision in Principle within a couple of days. A full application to offer stage, once submitted, typically takes 2 to 4 weeks to process—sometimes quicker with the help of a mortgage broker.

💡 Pro Tip: Prepare Early

Don’t wait until you’ve found a house. Start collecting your documents early. A mortgage broker can help you gather everything you need and submit a strong application that gives you the best chance of success.

🏠 Need Help Getting Your Mortgage Sorted?

At Drummonds Finance Group, we make the mortgage application process as easy as possible—helping you gather the right documents, liaising with lenders on your behalf, and securing a deal that suits your needs.

Whether you're a first-time buyer, moving up the ladder, or looking to remortgage, our experienced team is here to help.

📞 Get in touch today to start your mortgage journey with expert support and zero stress.

Check Out Our Guide Page for other helpful insights on Mortgages - Click Here

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