Documentation

Having the correct documentation can speed up your mortgage application

When applying for a mortgage, there are some documents you’ll need to include, depending on your circumstances. These typically include proof of income, employment verification, credit history, bank statements, and photo identification. We’ve compiled a list of documents that you may need to produce to support your application. Lenders may also request additional documents based on specific loan types or individual requirements

What documentation may be required for self – employed applicants?

• Tax returns and corresponding tax year overviews for the past three years
• Your business accounts for the last 3 years (if you own a limited company)
• Your bank statements for the past four corresponding months. Ensure that your receipt of income is visible on your statements as well as payment to ongoing bills. If bills are paid from separate accounts, please provide copies of said account for the corresponding months
• Valid driving licence
• Valid passport (and residence permit both front and back) If you do not have a valid driving licence or passport, please refer to the government’s proof of identity checklist
• Credit report which can be obtained here

What documentation may be required for employed applicants?

• Your four most recent payslips if paid monthly, or sixteen most recent payslips if paid weekly
• Your bank statements for the past four corresponding months. Ensure that your receipt of income is visible on your statements as well as payment to ongoing bills. If bills are paid from separate accounts, please provide copies of said account for the corresponding months
• Valid driving licence
• Valid passport (and residence permit both front and back) If you do not have a valid driving licence or passport, please refer to the government’s proof of identity checklist
• Credit report which can be obtained here