Documents to gather

Salary from the company · Dividends taken · Company profit · Retained profit · Two or more years of accounts, where available · SA302 or tax-year overview

Current day or hourly rate · Contract history · Time left on the contract · Gaps between contracts · Umbrella, PAYE or limited-company pay · A short work history

SA302 or tax calculation · Tax year overview · How many years you have filed · Business and personal bank statements · Large one-off expenses

Invoices raised and paid · Platform or marketplace statements · Any PAYE alongside the freelance work · Weeks with no invoices · How the income is reported to HMRC

CIS payment and deduction statements · Gross pay, not just what hit the bank · UTR and tax status · Names of the contractors who paid you · Materials you paid for and were reimbursed

NHS payslips and the latest P60 · Locum bookings kept apart from the salary · Private practice invoices and accounts · NHS pension contribution · Grade and whether the post is substantive

Associate or performer payment schedule · Private fee income · Lab and material costs · Whether you own the practice · Tax calculation for the practice income

Current and recent booking confirmations · Gaps between bookings · Who pays you · GMC registration in good standing · Travel and accommodation you pay

Last three months of payslips and the P60 · Bank or agency shifts, if any · Contracted hours · NHS pension line · A recent band change

Contract and payscale point · TLR, SEN or leadership allowance · Supply or agency work · P60 or the holiday-pay pattern · Student loan deduction

Chambers accounting statement · Aged debt · Years since pupillage or tenancy · VAT position · Who to ask for a standard letter

Current contract · IR35 or off-payroll status, if it applies · Expenses recharged to the client · Previous contracts in the same field · Limited company accounts, if you have them

Payslips covering the busy and the quiet months · The zero-hours contract · Hours on each payslip · Any second job · Weeks with no shift

Umbrella payslips · Umbrella margin · How holiday pay is handled · Assignment schedule · Previous umbrella or PAYE in the same tax year

How you trade · Filed tax calculations · Business bank statements · Where the deposit sits · Tax payments still due

The CCJ amount · The date of the judgment · Satisfied, unsettled, or set aside · Deposit available · Other credit items

Amount of each default · Date registered · Satisfied or still outstanding · Type of account · Which credit file you read

Which account · Which months · Up to date now, or not · What happened, in a sentence · Anything else on the file

Date the IVA started · Ongoing or completed · Supervisor's name · Debts inside the IVA · Whether a property was dealt with in the IVA

Who runs the plan · Monthly payment · When it started · Balances still inside the plan · Whether any creditor refused the plan

Bankruptcy order · Discharge certificate, if you have one · Trustee details · What happened to any property · Credit conducted since discharge

Lender and type of credit · Taken and settled dates · How many in the period you can see · Any short-term credit still running · Why it was used

Reservation form · Incentive schedule · Freehold or leasehold · New-build warranty · Any scheme on the plot

Years left on the lease · Service charge and ground rent · Floor and building height · Cladding, EWS1 or equivalent, if the block has one · Deck, balcony or commercial unit below

Remaining term in years · Ground rent and the review clause · Service charge accounts · Management company or freeholder · Share of freehold, if any

Title register restrictions · Who maintains the road · Any flying freehold · Estate management charge · Access that crosses other land

How it is built · If it is a flat, which floor · Any Right to Buy discount still to be repaid · Who owns the block · Service charge on a flat

What trades below · Opening hours and any late licence · How you reach the flat · The flat's lease · Who owns the building

The actual material · Approximate year of build · Any recognised repair scheme · Structural warranty or engineer's report · Whether you can already insure it

Modern kit or historic frame · New-home warranty, if it is recent · What the outside is clad in · Year · Any mention of movement in a survey

Straw, water reed or another material · When the ridge was last done · Chimney, wood burner and any fire precautions the insurer asked about · A buildings insurance quote, if you have one · Whether the building is listed

Grade and list entry · Consents for works already done · Works you intend · Insurance that names the listing · A survey that understands old buildings

Current HMO licence, or why you think you do not need one · Planning use and any article 4 direction · Room sizes and fire precautions · Actual rent roll · Whether you will own it personally or in a company

How the letting works · What happens in the summer · Whether an HMO licence is required · Who guarantees the rent · The council's student-let rules

Planning use · Past occupancy if it is already trading · Platform fees, cleaning and utilities · Personal name or a company · Whether you need a holiday-let product or a residential one

Legal pack · Completion deadline in the conditions · Guide price versus what you might bid · Deposit due on the day · Works the property needs before it is habitable

Use class and what actually happens there · The occupational lease · Who pays the rent · Personal name or a company · Any flat in the same building

Floor areas of the flat and the commercial unit · Whether you will live in the flat · The commercial lease · Separate access to the flat · One title or two

Do you own the plot, or are you buying it? · Planning permission and plans · Build cost breakdown · The warranty the finished house will have · Where you will live during the build

Is there a working kitchen and bathroom? · The schedule of works and who priced it · Planning or building regulations, if the works need them · How you will pay for the works · The value you hope for is not evidence

What is missing · Any survey you already have · The works and the cost · How long until it could be lived in · How the finished house would be financed

How many units · Leases already granted · Which units are on ASTs · Any commercial unit · Common parts and the roof