The lender will ultimately tell us the documents they require on application, but to an extent we can pre-empt what they’ll ask for and this will vary from one lender to the next. It will also depend on if you’re employed or self-employed, but as a minimum we will normally ask you to send us the following;

Proof of ID / Last 3 months personal bank statements (showing income being received and normal bills and direct debits going out) / Last 3 months payslips if employed, or last 3 years HMRC Tax Calculations & Tax Overviews if self-employed / Proof of Deposit (if buying a new property) which should evidence the source and build up of funds. This is not an extensive list but gives you an idea…

Most lenders are ok with online copies of documents and PDF copies, so getting these documents together should be pretty straight forward. Please always feel free to contact us if you have any concerns or need to clarify on anything, but once we’ve had a conversation with you and made a recommendation, we will specify exactly what documents we need you to send us and how to do this.