Preparing your mortgage application properly can save time, reduce stress, and improve your chances of approval. Having the right documents ready is one of the most important parts of the process.
Proof of Identity
You’ll need:
- Valid passport or driving licence
- Proof of address (usually a utility bill or bank statement dated within 3 months)
Proof of Income
If employed:
- Recent payslips (usually 3–6 months)
- Employment detail statement or P60
If self-employed:
- 2–3 years of certified accounts
- Revenue tax documentation
- Recent bank statements
Bank Statements
Typically 3–6 months of:
- Current account statements
- Savings accounts (showing deposit funds)
Lenders review spending habits, income consistency, and saving behaviour.
Credit History
Your credit record will be assessed for:
- Loan repayments
- Credit card usage
- Any missed or late payments
Proof of Deposit
You must show where your deposit is coming from:
- Savings
- Gifted funds (with supporting documentation)
- Help-to-Buy scheme (if applicable)
Additional Documents (if relevant)
- Existing loan agreements
- Rental history
- Separation or divorce documentation
Key Takeaway
Having your documents ready in advance makes the mortgage process much smoother and avoids unnecessary delays.
At Which Mortgage, we help you prepare your application correctly from the start so you’re in the strongest possible position when applying.
Thinking about your mortgage? Contact us today and we’ll guide you through every step.