When you’re applying for a mortgage, lenders will ask you for a specific set of documents so that they can check your eligibility for a large, long-term loan. These documents tell the lender exactly how much money you earn, how much you currently spend, and whether you’re a low- or high-risk borrower.
The documents you must provide to a mortgage lender include:
● Photo ID, such as a passport or driving licence
● A P60 form from your employer
● Payslips from the last three months
● An SA302 form if you’re self-employed
● Bank statements from the last six months
● Utility bills
● Proof of benefits
Depending on who your mortgage lender is, you may need to provide further documents to prove your outgoings, income and more. They will outline their requirements early on in the application process.