Never edit a statement, hide an account or misdescribe income, debt or deposit funds. Upload sensitive documents only through the verified lender, broker or conveyancer process. Your home may be repossessed if you do not keep up repayments.
Core application pack
Identity and address
- Current identity document accepted by the lender and conveyancer
- Proof of current address in an accepted format
- Address history matching the application and credit files
- Immigration or right-to-reside evidence where requested
Income and employment
- Recent payslips and latest P60 where applicable
- Employment details and evidence for overtime, bonus or commission
- Benefit, pension, maintenance or other income evidence
- Explanation and evidence for a recent job, probation, leave or contract change
Banking and commitments
- Requested current-account statements in original PDF or accepted format
- Statements for accounts receiving income or holding the deposit
- Balances and agreements for loans, cards, car finance and other commitments
- Evidence explaining material transfers or unusual transactions
Deposit and costs
- Savings statements showing how funds accumulated
- Lifetime ISA or other scheme evidence where relevant
- Gift declaration and donor source-of-funds evidence
- Sale, inheritance, investment or other source documents
- Funds reserved for tax, legal work, survey and other purchase costs
Self-employed and company-director evidence
Depending on the trading structure and lender method, requests can include:
- SA302 tax calculations and matching tax-year overviews;
- finalised accounts for the periods requested;
- business bank statements and current management information;
- accountant details or a lender certificate;
- Companies House ownership and director information; and
- contracts, invoices, renewal history or an explanation of recent trading changes.
The number of years and accepted accounting figures vary. Ask which exact documents and periods support the proposed lender's income calculation before ordering or submitting them.
Property and transaction details
- property address, agreed price and estate-agent details;
- memorandum of sale and conveyancer contact;
- tenure, lease length, service charge and ground-rent information where relevant;
- developer incentives, gifted equity or scheme documents;
- planned occupancy and any other adult residents; and
- survey, specialist report or planning evidence requested for the property type.
Keep the evidence consistent
Names, addresses, salary, deposit, debts and monthly spending should agree across the form and documents. A difference is not automatically a problem, but it needs an accurate explanation. Examples include a recent pay rise, transfer between your own accounts, one-off expense, changed surname or a deposit moved from an investment account.
Download fresh documents only when requested; an old statement may expire while the case is reviewed. Do not assume every lender accepts a screenshot, edited PDF or online printout. Confirm file format, certification and recency first.
A secure submission workflow
- 1. Verify the firm. Use the FCA Register and known contact details before sharing financial records.
- 2. Request the exact list. Ask for lender-specific document names, periods and formats.
- 3. Use clear file names. Identify applicant, account or evidence type and statement date without changing the file itself.
- 4. Upload through the approved channel. Avoid unencrypted email where a secure portal is provided.
- 5. Keep a submitted copy. Record what was sent and answer follow-up questions promptly and accurately.
Ready to discuss the application?
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