Your first conversation with your mortgage broker is an exciting step on the journey to buying your home. Preparing your key documents in advance is important and can help speed up the process, but don’t worry if you don’t have all of them to hand – you can also prepare them after your chat. During your mortgage appointment, you’ll talk about your current financial situation, including the information you will have provided for your Mortgage in Principle (MIP), so your broker can find the right lender and mortgage for you.
Each lender will have their own requirements, but here are the key documents most lenders will ask to see when you apply for a mortgage.
Key mortgage documents:
Proof of identity – A valid photo ID (passport or driving licence)
Proof of address
Proof of “main” income
Proof of “other” income
Proof of deposit
Details of any financial commitments, such as existing mortgages, loans or credit card debt
Details of your new property (if you’ve found one)
Self-employed? You might also need:
Signed accounts for the last two years
Tax year overviews for the last two years
Don’t forget about your credit score!
It’s also worth checking your overall credit score. A high credit score shows lenders that you’re able to make credit repayments on time. Boosting this could improve your chances of being approved for a mortgage. You can get a credit report from many places – usually for free! The three most well-known credit agencies are Experian, Equifax and TransUnion, where you’ll also find tips on how to improve your score.
With a bit of preparation, you’ll be walking into your mortgage conversation feeling confident for the next step on your home-buying journey.
Free mortgage support you can trust
From first step to doorstep, we continue to be by your side, helping you achieve your homeownership goals. Now, our trusted partner First Mortgage – one of the UK’s longest-established, fee-free mortgage brokers – takes the lead on your mortgage application. With expert advice and access to 12,000+ deals from over 90 lenders, they’ll handle everything – from securing the right mortgage for you, helping with paperwork and even arranging protection policies for peace of mind.
Provided by First Mortgage Ltd.
Your home may be repossessed if you do not keep up repayments on your mortgage.
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