Which documents will your mortgage lender need?

Personal and financial evidence

• For employees, typically current payslips and employment details.
• Evidence of equity, existing loans and regular commitments.
• A full household budget including future ownership costs.
• Identification and other lender-specific evidence after personal agreement.

Prepare more detail for self-employed income

Lenders often ask for tax assessments, annual accounts or income and expenditure statements for several years, plus current business figures. The years and documents required vary. A few strong months do not replace a clear income history. Explain major changes and unusual income.

Fixed-term permits and employment contracts

A fixed-term residence permit or employment contract does not automatically rule out a mortgage. We assess your individual circumstances and explore which lenders may be willing to consider your application. The type and remaining validity of your permit, employment history, income, deposit and property all matter. Approval remains subject to the lender’s assessment; a particular outcome cannot be guaranteed.

Useful supporting information may include the current permit and its expiry, any relevant extension documentation, your employment contract, previous extensions and evidence of ongoing income. We agree which documents are actually needed and how to provide them.

Property documents

Avoid unnecessary follow-up requests

Check that addresses, prices, areas and figures match across documents. Supply complete, readable records rather than extracts. For the first contact, a few basic project details are enough. We then agree a suitable way to provide personal financial documents.

Frequently asked questions