Documents You Need for a Mortgage
Our free documents you need for a mortgage checklist lists the paperwork lenders usually ask for, from ID and payslips to bank statements, SA302s and proof of your deposit. Print it and tick each item off as you gather it, so you're ready when you apply.
- 6 clear stages
- Printable tick boxes
- Checked 4 November 2026
What's inside the documents you need for a mortgage
A 2-page PDF you can print or save to your phone, with a notes page at the end.
- Proof of who you arePassport or driving licence, and proof of your address
- Proof of income: employedYour latest payslips, P60 and proof of any benefits
- Proof of income: self-employedAccounts, SA302 tax calculations and tax year overviews
- Bank statements and outgoingsCurrent account statements and what you pay on credit
- Proof of your depositSavings or Lifetime ISA statements, and any gifted deposit form
- Before you applyYour credit reports, a mortgage in principle and your lender's own list
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Download the PDFCommon questions
Is the checklist free?
Yes, it's completely free. Enter your first name and email, and we'll email you a link to the PDF. You can also download it straight away on this page.
What documents do I need for a mortgage?
MoneyHelper says lenders usually ask for your last three months' payslips, your P60, photo ID, utility bills, three to six months of bank statements and proof of your deposit. If you're self-employed, they usually want two to three years' accounts and your SA302 tax calculations too.
How do I get my SA302?
GOV.UK says you can print your SA302 and tax year overview from your HMRC online account, or from the software you used to file your return. You can't print them until 72 hours after you send your return, and it's worth checking your lender accepts copies you've printed yourself.
Will you send me other emails?
Only if you tick the separate box to join The Owl's Nest, our free newsletter. Getting the checklist doesn't sign you up to anything else, and you can unsubscribe from the newsletter at any time.
Is this financial advice?
No. The checklist is general educational information to help you get ready. It doesn't recommend particular mortgages, lenders or deals. Every lender has its own requirements, so check its exact list before you apply.
Guides and tools for getting ready to apply
Mortgage Owl provides general educational information only, not regulated financial advice, and doesn't recommend particular mortgages, lenders or deals. Your home may be repossessed if you do not keep up repayments on your mortgage.
