Mortgage Ready? Here’s the Checklist You Need 

Getting “mortgage ready” is one of the simplest ways to speed up your application, reduce stress, and help lenders make a quick and confident decision. Whether you’re buying your first home, moving, or refinancing, having the right documents ready upfront makes all the difference. 

Below is a complete list of the documents lenders typically require, as well as a few extra items that can strengthen your case. 

 

1. Identity & Address Verification 

Lenders must confirm who you are and where you live. You’ll usually need: 

• Passport or UK driving licence 
• Utility bill, council tax bill, or bank statement (dated within the last 3 months) 

 

2. Proof of Income 

The documents required will depend on how you’re paid. 

Lenders may ask for: 

• Last 2 years’ Tax Calculations & Tax Year Overviews with the latest not being over 18 months old i.e April 2025 required 
• Latest 3 months’ bank statements (personal and business where relevant) 
• 2 years of company accounts (for those using a limited company structure) with the latest not being over 18 months old 
• 3 months pay schedules for Associate Dentists 

 

  For Employed Applicants  

      Where applicable in joint applications: 

• Last 3 months’ payslips 
• Latest P60 

 

3. Proof of Deposit 

Lenders need to understand where your deposit is coming from: 

• Savings statements (showing build-up of funds) 
• Gifted deposit letter (if a family member is contributing) 
• Evidence of investments being cashed in if applicable 

 

4. Credit Commitments & Financial Position 

• Credit of credit report – for a free trial click here 

 

Final Tips for Getting Mortgage Ready 

• Start gathering documents early — ideally before viewing properties. 
• Make sure all documents are clear, complete, and up to date. 
• Check your credit report for accuracy. 
• Keep your bank account tidy in the months leading up to your application. 

Click here to download our checklist.