Get mortgage ready

19 documents and checks lenders and solicitors ask for. Have them ready and your application moves days faster. Skip any that don't apply to you.

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Checked 2026-10-04.

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Who you are

Photo ID: a passport or a full driving licence, in dateLenders, brokers and solicitors all need it.
Proof of address from the last three months, like a bank statement or council tax bill
Your addresses for the last three years, with dates

Your last three months of payslipsSome lenders want six if your pay goes up and down.
Your latest P60 from your employer
Proof of any regular bonus, overtime or commission, if you want it counted
If you're self-employed: two years of SA302s and tax year overviews from HMRCDownload them from your HMRC online account.

Three months of statements for every current accountLenders read them for regular spending and anything unusual.
Statements showing your deposit savings building up
If family are helping: a signed gift letter, and their ID and statementsIt must say the money is a gift, not a loan.
If you have a Lifetime ISA: your latest statement, opened at least 12 months before you buy

A guide: every lender is a little different, and your broker or lender will tell you exactly what they need.

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A guide, not financial advice. Only a lender can tell you what you could borrow.