Mortgage Application Documents: Complete Guide for 2026
A complete mortgage application relies on clear proof of income, identity, and affordability. This checklist helps applicants understand what is required and helps advisors avoid last-minute surprises.
Document checklist
Proof of identity
Passport or driving licence for all applicants.
Tip: Ensure the document is current and clearly legible.
Proof of address
Utility bill, council tax letter, or bank statement dated within 3 months.
Alternatives: Tenancy agreement, HMRC letter
Payslips (last 3 months)
Most recent payslips covering a full three-month period.
Tip: Include any variable pay evidence if relevant.
Bank statements (last 3 months)
Full statements showing salary credits and regular outgoings.
P60 or tax documents
Latest P60 or SA302 for applicants with self-employed income.
Alternatives: Tax year overview
Deposit evidence
Proof of savings, gift letters, or investment statements for deposit funds.
Employment contract
Required for applicants with probation or recent employment changes.
Tips for faster approval
- • Send documents in one secure upload to reduce delays.
- • Double-check names and addresses match across all files.
- • Highlight any large deposits with an explanation.
Collect securely
Collect these documents securely with Docustody. Set retention periods, track every action, and issue deletion certificates automatically.
See how Docustody works →