First-Time Buyer Documents: Complete Guide for 2026
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.
Document checklist
Proof of ID
Passport or driving licence for all applicants.
Proof of address
Recent utility bill or bank statement showing current address.
Payslips
Latest 3 months of payslips, or longer if required by lender.
Bank statements
Last 3 months to evidence income and regular outgoings.
Deposit evidence
Savings account statements and any gifted deposit letters.
Tip: Gifted deposits often need a signed letter and proof of donor ID.
Credit report
Optional but helpful to highlight any issues early.
Help to Buy or LISA statements
Statements for any government-backed savings schemes.
Tips for faster approval
- • Provide deposit sources early to avoid underwriting delays.
- • Explain any recent credit searches or address changes.
- • Keep copies of all documents until completion.
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