Your first conversation with your mortgage adviser is an exciting step on the path 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 this time, you’ll talk through details of your current financial situation, including the information you will have provided for your Mortgage in Principle (MIP), so your adviser can determine the right lender and mortgage for you. This process is sometimes called the ‘fact find’. 🔎

If you’re a first-time buyer, the thought of this conversation may seem daunting, but don’t worry – your experienced mortgage adviser is there to help you through every step of the journey. If you’re a next-time buyer or simply remortgaging, here’s a reminder of the documents you’ll need.

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
    • Your address history for the last three years
    • A utility bill, bank statement or council tax statement from within the last three months, in your name at your current address
  • Proof of “main” income
    • Payslips for the last three months
    • Details of any guaranteed commission or bonuses
    • P60 form
  • Proof of “other” income
    • Pension statement
    • Employment contract
    • Details of benefits
    • Letter from employer (for example, showing a pay rise)
  • Proof of deposit
    • Savings account bank statements, as well as your current account statements, for the last three months
    • A signed gifted deposit letter (if any part of your deposit is gifted)
    • Equity based on current property value and remaining mortgage amount (if you’re a next-time buyer or remortgaging)
  • Details of any financial commitments, such as existing mortgages, loans or credit card debt
    • The provider
    • Your outstanding balance
    • Monthly repayment amounts
    • The end date of the loan
  • Details of your new property (if you’ve found one)
    • The address of the property
    • Your estate agent’s contact details
    • Your solicitor’s contact details (if available at this point)


Self-employed? You might also need:

  • Signed accounts for the last two years
  • SA302 forms and corresponding 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. 🏡


With Moneybox Mortgages, you can get access to deals from over 90 lenders! We can help you choose a mortgage that’s right for you and get your application underway when the time is right. We’ll walk you through every step of your journey, whether you’re buying a home or remortgaging. Best of all, our service is completely free, so you can relax knowing you’re not paying unnecessary fees.


Moneybox Mortgages is provided by Moneybox Mortgages Ltd.

Your home may be repossessed if you do not keep up repayments on your mortgage.