If you're employed and planning to apply for a mortgage, it's essential to understand what documents you'll need to support your mortgage application. Mortgage lenders are required to verify your identity, income, and affordability before they can approve your loan. While the core document requirements are similar across lenders, each one may have slightly different expectations — and that’s where your mortgage adviser becomes invaluable.
Identity and Residency Documents
To confirm who you are and your legal right to reside in the UK, you'll need these documents. They help lenders verify your identity and residency status:
• Valid Passport
• Photo-card Driving Licence
• Visa (if applicable)
Proof of Address
Lenders require recent proof of your current address. These can either be postal versions or downloaded PDFs – your adviser will confirm what is acceptable, and dated within the last 3 months:
• Bank or credit card statement
• Utility bill (gas, water, electricity, landline, internet, or satellite TV)
• HMRC tax coding notice
• Annual council tax bill
• Driving licence (if not already used for ID)
Employment and Income Verification
As an employed applicant, you’ll need to show consistent income and employment:
• Latest 3 months’ consecutive payslips
• Latest 3 months’ bank statements (online copies are accepted)
If your income includes commission or bonuses, additional documents are sometimes required to help lenders assess the stability and reliability of your income:
• Commission: Most recent 3 months’ payslips
• Bonus: Most recent 2 years’ bonus payslips (1 year’s accepted if this is all you have)
• P60s for the last 2 years
How Your Mortgage Adviser Helps
Every lender has slightly different criteria, which is why working with a mortgage adviser can make the process much easier. Your adviser will explain exactly which documents are required for your chosen lender, help you gather and format your paperwork correctly, and provide any necessary guidance — such as wording needed for a gifted deposit letter, if requested. They’ll also ensure your application is complete, accurate, and compliant before it’s submitted, giving you the best chance of a smooth approval.
Ready to take the next step toward your new home? If you're employed and preparing to apply for a mortgage, our expert advisers are here to guide you through every detail. Call us today on 08000 38 37 36 to get started or enquire here.
