When you apply, we’ll ask about your income. We might ask for proof of this as well as proof of your name and address. You can see what we might need from you in our drop-down sections on this page.
You’ll also need to tell us about any financial commitments and insurance policies you have. This can include:
- credit cards, loans or hire purchase
- home insurance, mortgage payment protection or life or critical illness cover
- investment or endowments.
Applying online?
If we need documents for your application, we'll send you an email with a link to our secure mortgage application tracking page. This will tell you how to upload them.
Applying by phone?
Take a look at our guide to your application (PDF - 247 KB). This will tell you what you need to do and how to upload proof when we need it. You may need to download Adobe Reader to open this.
We need to see your last 3 months' payslips. The most recent payslip must be dated within 2 months of the date of your application.
If you’re paid weekly, we’ll need your last 4 weeks’ payslips. The most recent payslip must be dated within 5 weeks of the date of your application.
Your payslip must show:
- your employer’s name. If that’s not on it, we’ll need your latest bank statement showing your salary credit or your latest P60 with your employer’s name on it
- your name, matching how it appears on your application
- payment date or tax period
- net pay, and
- gross pay.
If you’re self-employed we need one of the following types of evidence to support your mortgage application.
- This accountant’s certificate (PDF - 425 KB), filled in by an accountant with an acceptable qualification, or,
- Self-assessment tax forms (such as SA302) plus supporting Tax Year Overviews for the same period. You can request these from HMRC or an online HMRC account.
Use the simple guide below to get the right evidence to support your self-employed income.
Self-employed income guide (PDF - 296 KB)
You may need to download Adobe Reader to see these documents.
If you want to use other income to support your application, we’ll need the following documents from you.
Regular overtime/bonus/commission
- Your last 3 monthly payslips showing this payment or your P60.
Annual overtime/bonus/commission
- Your P60s showing this payment from the last 3 years.
Child benefit
- Your most recent HMRC letter (all pages including those that are blank and must not be more than 12 months old) or bank statement showing this payment.
Working/child tax credits
- HMRC letter from current tax year’s award (all pages including those that are blank and must not be more than 12 months old) or bank statement showing this payment.
DWP state benefits
- Your latest DWP/HMRC letter confirming the type and amount of benefit which shows how long this benefit will be paid for.
Universal Credit
- Your latest Universal Credit payment summary(dated within 1 month of application) including earned income, what you’re entitled to, what we take off and your total payment for this month.
- Evidence of your last 6 months’ payments (from your Universal Credit account).
Fostering income
- Your local authority letter confirming the number of children and length of time fostering.
- Bank statements showing the latest 3 months’ income; or self-employed accounts.
State pension
- Your DWP letter.
Private pension/annuities
- Your pension payslip/statement.
We may need you to show us your bank statements. The most recent must be dated within 2 months of the date of your application. It needs to show:
- your name and address as it appears on your application
- debits
- commitments, such as regular standing orders, which must match your application
- running balance.
If you're using bank statements to support your income, only send us the single page to show the income entry. Please give us the page that shows your name and address if this can't be seen on the single page.
If we ask for a full month, you must send us all the pages.
Online bank statements are acceptable. We can’t accept statements where you’ve changed or amended information, or it’s difficult to read.
As part of your application, we need to know your last 3 years' address history. This can't include any gaps.
We may also need proof of your current address dated within the last 3 months. If we need to check your identity, we'll let you know. You can use our customer identification documents page to help you.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Applications are subject to status and lending criteria. Applicants must be UK residents aged 18 or over.
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