You’re likely aware that applying for a mortgage requires certain documents to be provided to the lender, but these can vary between different providers. Here is a brief and non-exhaustive list of some of the documents you may need to have on hand: Identification: A valid government-issued photo ID, such as a driver's license or passport. Proof of Income: Three recent, consecutive pay slips or bank statements is often the norm. Proof of Income & Expenditure: Bank statements and other documentation that shows your regular income and expenditure, also including proof of your deposit if a purchase is taking place. Credit Report: Lenders will usually check your credit report, but you may want to obtain a copy and check it yourself for errors or potential issues. Debt Status: Information about your outstanding debts, such as credit card balances, personal loans or car finance. Property Information: If you've already found a property, you may be required to provide information such as the address, purchase price and any EPC details. Sometimes a better EPC will allow for a cheaper rate. At KGJ we will always keep you fully appraised of which documents you will need to produce as the mortgage process proceeds.