Buy-to-Let Mortgage Documents: Complete Guide for 2026
Buy-to-let applications require proof of income as well as details about the rental property. This checklist ensures applicants and advisors capture the evidence lenders need.
Document checklist
Proof of ID and address
Passport or driving licence plus recent address evidence.
Proof of income
Payslips or tax documents depending on employment status.
Bank statements
Last 3 months for personal accounts.
Property details
Listing, purchase contract, or memorandum of sale.
Projected rental income
Letting agent appraisal or rental market assessment.
Existing portfolio summary
Details of current rental properties and mortgages.
Tips for faster approval
- • Prepare evidence of rental cover if requested by the lender.
- • Provide tenancy plans early for faster underwriting.
- • Explain any complex property structures clearly.
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