
Firstly, let's look at what everybody needs to get a mortgage, and then see what you need in addition based on your personal circumstances
Everybody needs:
- A copy of your passport
- A copy of your driving license
- A copy of a utility bill or bank statement within the last 3 months
- Three months' worth of bank statements showing your income/ or how you are credited
- Evidence of how you are going to pay a deposit via a bank statement and an explanation of where the funds have come from
- Details of any debts and assets
- Credit report
What documents do I need if I am employed to get a mortgage?
What documents do I need if I am employed to get a mortgage?
- The last 3 months' worth of payslips, or 13 weekly payslips
- Your latest P60 any annual bonus or commission intended to be used as a deposit
- All payslips where bonuses have been used over a 2-year period
What documents do I need as a Sole Trader, Partnership or a Limited Company to get a mortgage?
What documents do I need as a Sole Trader, a Partnership, or a Limited Company to get a mortgage?
- The last 2 years of personal tax calculations from HM RC or your Accountant
- The last 2 years of corresponding tax overviews from the HM RC
- The last 2 years of filed company accounts
- The last 3 months' worth of business bank statements
What documents do i need as a Daily Rate Contractor to get a mortgage
What documents do I need as a Daily Rate Contractor to get a mortgage?
- A copy of your current contract confirming your daily rate
- Copies of all contracts which cover the last 2 years
- A copy of your linked in profile or up-to-date CV to evidence your experience
What documents do I need if I rely on property income to get a mortgage?
What documents do I need if I rely on property income to get a mortgage?
- The last 2 years of personal tax calculations from HMRC on your Accountant
- The last 2 years of corresponding tax year overviews from HMRC
- The last 2 years filed property income accounts
- The latest tenancy agreement(s)
- The latest mortgage statement(s)
What documents do I need if I am retired to get a mortgage?
What documents do I need if I am retired to get a mortgage?
- A letter from the HM RC to confirm your state pension amount
- A pension statement(s) and your latest P60to evidence private pension
A pension statement(s) and your latest P60 to evidence private pension

Here at MTGE, our team of fully qualified mortgage advisers is on hand to help you every step of the way in obtaining a new mortgage and our service won’t cost you!
PLEASE NOTE: Article written 29/10/21. Information contained within this article is likely to change and therefore should not be relied upon or form part of any form of decision making without seeking professional advice.
YOUR HOME MAY BE REPOSSESSED IF YOU DON’T KEEP UP REPAYMENTS ON YOUR MORTGAGE