First-Time Buyer Documents
First-time buyers often need extra guidance. This checklist outlines the key documents lenders request so buyers can prepare early and advisors can move quickly to decision in principle.
7 documents
5 required
2026 ready
Up to date
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Document checklist
Proof of ID
RequiredPassport or driving licence for all applicants.
Proof of address
RequiredRecent utility bill or bank statement showing current address.
Payslips
RequiredLatest 3 months of payslips, or longer if required by lender.
Bank statements
RequiredLast 3 months to evidence income and regular outgoings.
Deposit evidence
RequiredSavings account statements and any gifted deposit letters.
Tip: Gifted deposits often need a signed letter and proof of donor ID.
Credit report
OptionalOptional but helpful to highlight any issues early.
Help to Buy or LISA statements
OptionalStatements for any government-backed savings schemes.
Tips for faster approval
- 1
Provide deposit sources early to avoid underwriting delays.
- 2
Explain any recent credit searches or address changes.
- 3
Keep copies of all documents until completion.
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