Proof of identity documents

A current signed passport or EU member state ID card A current UK photocard driving licence (full or provisional) - showing your current address and an unexpired photograph A current full UK old style driving licence Please note that you can't use the same item to verify both your name and address: two separate items are required.

A utility bill dated within the last three months (mobile phone bill are not accepted) A council tax bill for the current year A bank, building society or credit card statement - less than three months old

Proof of income documents

To help assess your mortgage application, we'll usually ask for: Your last three months' payslips and most recent P60 If self-employed, your last two years' accounts or SA302 tax calculation and tax year overview Your last three months' bank statements showing your income Online copies are accepted, provided they show your name, address and account details and the company logo where applicable.

More help verifying your identity

Read our Verifying your identity guide for a complete list of accepted documents and certification requirements. We can only accept the original or certified copies of these documents. We'll retain copies for our records and to meet our legal and regulatory obligations.

Mortgages

Ready for your mortgage appointment?

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Preparing for your Mortgage Appointment

Buying a new home or planning home improvements can feel exciting - and sometimes overwhelming. Our mortgage advisers are here to help make the process as straightforward as possible.

Appointment are available face to face or over the phone and usually last around 60 minutes.

On this page, you'll find information on:

What you'll need for your mortgage appointment
Existing borrowers looking to switch mortgage deals
Proving your identity and income
How much can I borrow?

Ready to start your mortgage journey?

Book a mortgage appointment

What will I need for my mortgage appointment?

During your appointment, we'll talk through your income, spending and mortgage requirements to help us understand what you can comfortably afford.

You'll need to provide:

Proof of income for all applicant
Details of your monthly spending and financial commitments
Information about your deposit or additional borrowing needs

Appointments usually last around 60 minutes.

You can find more information about acceptable documents in the sections below.

Existing borrowers looking to switch mortgage deals

If your mortgage is already with us and you’re looking to switch to a new deal without any other changes, you usually won't need to provide additional documents.

These appointments normally take around 30 minutes.

If you're applying for additional borrowing, you'll still need information about your income and spending.

Documents you'll need for your mortgage application

To help us process your mortgage application, you'll need to provide:

one proof of identity
one proof of address
proof of income for each applicant

Don't worry if you don't have everything ready yet - your Mortgage Adviser will explain what's needed

Here are some of the most commonly accepted documents:

How much can I borrow?

We'll assess what you can afford to repay based on your income, spending, deposit amount and financial situation.

We offer a range of mortgage products for buying a home, remortgaging, additional borrowing and Buy to Let, with different deposit requirements depending on the product selected.

The amount you may be able to borrow will depend on the mortgage product and your individual circumstances.

Your Mortgage Adviser will talk through your options and help recommend a mortgage that's right for you.

We also consider the amount of the loan required as a percentage of the property’s value.

Read our guide to Applying for a mortgage to learn more about eligibility, borrowing and the mortgage application process.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE