One Branch Mortgages
Phone: 0131 202 6582 Get in Touch

Mortgage Application checklist.

EMPLOYED:

  • - 3 months wage slips – most recent
  • - 3 months bank statements showing salary credit with the account holders name and address on the statement if online versions.
  • - P60
  • - Employment Contracts – for contracted and sub-contracted workers or if you have just started a new job.

SELF-EMPLOYED / LIMITED COMPANY DIRECTORS:

  • - SA 302s and Tax Year Overviews if self-employed or Limited Company - last 3 years. These can be obtained from the Inland Revenue.
  • - Employment Contracts – for contracted and sub-contracted workers usually involved in IT Contracts and IR 35.
  • - CIS 4 – invoices and statements for self-employed sub-contractors in Building Trade.

PERSONAL AND GENERAL:

  • - Proof of ID (copy of Passport/ Driving Licence)
  • - Address verification - Utility bill/credit card statement/ Council tax all must be dated in the last 10 weeks.
  • - Proof of Deposit – for a purchase only. For re-mortgages the equity value is the deposit.
  • - Last 12 months mortgage payment history (your annual mortgage statement plus recent bank statements showing mortgage payment debits).
  • - Copy of Experian credit profile if you have a low credit score or have an impaired credit history.
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