Get prepared ahead of making a mortgage application

When you apply for a mortgage the lender will need evidence of your income and expenditure. These are some of the documents you are likely to need.

  • Proof of income – (3 months payslips/P60 if employed)
  •  2/3 years accounts/Tax calculations (SA302’s) Tax overviews if self employed
  • 3 months bank statements
  • Evidence of savings for deposit
  • Photo ID – Eg Passport/Driving licence
  • Proof of address – Eg driving licence or recent utility bill

It’s also a good idea to obtain your credit report and complete a budget planner.  If you are not sure how to do this I can help, or simply download the budget planner.