Please ensure the following documents are in a pdf format and clearly labelled with the appropriate heading from below.
Passport – please ensure you send both pages (photo and signature) and the edge of your passport can be seen.
Photo Driving Licence – please ensure the address is registered to the address you live at.
Bank Statements – 3 months personal bank statements showing all sources of income being received and all day-to-day transactions.
Payslips (employed) – last 3 months payslips. If you receive an annual bonus, please forward payslip showing last two years. If quarterly the last 4 months showing all bonus payments.
Self Employed – latest 2 years Tax Calculations and corresponding Tax Year Overviews. Available from your accountant or straight form HMRC via www.guv.uk/sa302-tax-calculation
Deposit – last 3 months bank statement showing build up of deposit funds. If not from savings please confirm where all sources of deposit are comping from.
Credit Report – please obtain a copy from www.checkmyfile.com which is free for 30 days
Proof of Benefits – latest awards letter for any benefits received.
Latest Annual Mortgage Statement– if you have an existing mortgage for your main residence only.
There are 3 main credit agencies used by lenders when assessing mortgage applications:
Experian
Equifax
Transunion
User this link to access your 30 day free trial which scans across all 3 of the above agencies Credit Report – Check Your Credit Report – Checkmyfile
Your full credit report is required, rather than just your credit score, as it contains all the information that will be visible to lenders
Being on the electoral roll gives lenders the information they need to confirm your name and address, and this could help to increase your credit score. For a good credit rating, you’ll also need to show you’re a reliable borrower who consistently pays on time and doesn’t have debt problems