Emily's Mortgage Services LTD

1. Proof of Identity

• Passport or UK driving license
• National Identity Card (if applicable)

2. Proof of Address

• Recent utility bill (within last 3 months)
• Council tax statement
• Bank or credit card statement (dated within 3 months)

3. Proof of Income

If Employed:

• Last 3 months’ payslips
• Latest P60 form (end of tax year summary)
• Employment contract or letter confirming employment status

If Self-Employed:

• Last 2 years’ SA302 tax calculations or full tax returns
• Accountant’s reference letter (if available)
• Business accounts for last 2 years (if applicable)

4. Bank Statements

• Last 3 to 6 months’ statements for all current accounts (to show income and outgoings)

5. Proof of Deposit and Savings

• Statements for savings accounts or investments used for deposit
• Gift letter if receiving money from family/friends (plus their proof of funds)

6. Details of Existing Debts or Loans

• Statements or letters detailing current loans, credit cards, and other financial commitments

7. Property Details (if known)

• Sales particulars or estate agent brochure
• Details of the property you intend to buy

8. Other Relevant Documents

• Divorce decree or separation agreement (if applicable)
• Identification for any co-applicants or guarantors
• Benefit award letters if you wish to use them for affordability

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Tip: Preparing these documents early can speed up your mortgage application and improve your chances of a smooth approval.