1. Documents Needed to Prove Financial Eligibility
You must provide evidence of your mortgage eligibility, income and any other funding arrangements.
Mortgage Evidence
Evidence required includes:
- A Mortgage Certificate, Mortgage Promise or Decision in Principle that includes the names of ALL Applicants.
You must provide mortgage information even if you do not need a mortgage, cannot get a mortgage, or have been declined a mortgage.
- A letter or email from your mortgage provider confirming the maximum mortgage available to you and any joint applicant, if the wording “maximum” or “up to” is not shown on your Mortgage Certificate, Mortgage Promise or Decision in Principle.
This helps us assess the maximum amount you could borrow, which may differ from the amount you originally applied for.
- If your mortgage is 65% or less of the purchase price, you must provide documentary evidence showing how the remainder of the purchase will be funded.
Examples may include:
- Savings statements
- Investment statements
- Gifted deposit confirmation
- Proceeds from the sale of another asset
- Other available funds
Income Evidence
Income evidence is required for all applicants.
Employment Income Evidence
Evidence required includes:
- Your last 3 months' payslips
- The joint applicant’s last 3 months' payslips (if applicable)
- Your most recent P60
- The joint applicant’s most recent P60 (if applicable)
Self-Employment Income Evidence
- Business accounts covering the last 3 years
- The joint applicant’s Business accounts covering the last 3 years (if applicable)
Benefits Income Evidence
- Evidence of any benefits received by any applicant such as award letters or last 3 months statements showing payments received
Examples may include:
- Universal Credit
- Personal Independence Payment (PIP)
- Attendance Allowance
- Carer's Allowance
- Child Benefit
- Pension Credit
Retirement Income Evidence
Evidence may include:
- Pension payment statements for the last 3 months
- Your latest annual pension statement
- Details of any allowances or additional income
Other Type of Income
- Evidence explaining the income and source amount
Before You Submit
Please ensure all documents are clear, complete and up to date. Applications cannot be fully assessed until all required financial evidence has been received.