What documents are required for a mortgage?

Ready to apply for a mortgage? Find out what documents you will need to have for the application process in this handy guide.

When you apply for a mortgage, your lender will want to see documents showing proof of your identity, your address and your spending habits. Find out what documents you need below.

Utility bills

These will give you proof of ID or address, which can satisfy money laundering requirements on the lender’s side. It must be the original document, not a copy, and be current and valid.

P60 form from your employer

The type of income proof you will need to provide will also depend on which lender you decide to proceed with. But having your P60 form to hand is a good idea to ensure you can prove your monthly income.


Another form of income proof is the payslip, and you will typically need to provide three months’ worth. Online versions are usually acceptable, if they include your personal details on them. Not only do payslips prove how much you earn each month, they demonstrate that you get paid regularly and on time.

Passport or driving licence

This is another form of ID or proof of address. Your passport or driving licence will need to be up to date and valid.

Bank statements

Similar to other forms of ID, bank statements show the lender proof of your address. These should be hard copies of bank statements from your current account between the last three to six months.

If you’re self-employed, you will need a statement showing two to three years’ worth of accounts from an accountant, as well as your tax return form SA302, if you have earnings from more than one source.

Credit file

You should also provide the mortgage lender with a copy of your credit report from sites like Experian, ClearScore, Callcredit or Equifax. The score you get is purely an indicator and it’s worth keeping in mind that each lender will interpret this differently.

To ensure the score is as high as can be, it helps to be registered on the Electoral Roll at your main address and to avoid overdrafts and payday loans.

Deposit finances

If you are buying a property, lenders will want to see where your deposit is coming from, whether it’s from your savings or given as a gift. If it’s from savings, this will need to be evidenced with bank statements and large lump sum transfers will have to be explained. Keep in mind that some lenders will stipulate that you provide hard copies of these.

Whereas, gifted deposits require a letter from the person giving you the money, although the format of this will vary depending on the lender. This means they will need to be in a position to sign for this when you apply for the mortgage.

If you are raising the money on another property, it’s a good idea to start this process earlier and thereby ensure you have the money available when you need it.

Above all, it’s important to be accurate and ensure that the information supplied and given on the application form matches the documents you supply.

For instance, don’t round up your salary if the amount on the payslips differs from this figure.

Documents required for a mortgage: A summary

  • Utility bills
  • P60 form from your employer
  • Payslips
  • Passport or driving licence
  • Bank statements
  • Credit file
  • Deposit finances

Source of deposit

All reliable lenders will want to see where your deposit is coming from, whether it’s from your savings or a gift from family or friends.

  • Savings. These can usually be shown through bank statements. However, the source of large lump sum transfers will have to be explained.
  • Gifted deposits. If your deposit is coming in the form of a gift – from parents, say – it will typically require a signed letter from the person giving you the money. The format requirements of the letter can vary depending on the lender.
  • Gifted equity. If you’re buying a house owned by a family member or friend, they can gift you a percentage of the home’s value as equity. Essentially, it works exactly like a deposit, but it will require a signed letter from owner of the property.

Finder survey: Have you ever had a mortgage?

Source: Finder survey by Censuswide of Brits, December 2023
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
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