What Documents Do I Need for a Mortgage Application?
Applying for a mortgage will require a lot of paperwork - make sure you know what to prepare before making your application.
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Applying for a mortgage will require a lot of paperwork - make sure you know what to prepare before making your application.
Most lenders will require that you provide at least 3 months' worth of payslips.
However, if you have just started a new job, you may not have this to provide. Some lenders will accept a permanent contract as proof of income, but many lenders will require at least one payslip from your new job.
Some things that might flag up on your bank statements are:
As well as red flags on your bank statements, there are other factors that can stop you from getting a mortgage. If you do not earn enough, if you have a bad credit score, or if you are not in stable employment can also stop lenders from approving a mortgage.
Mortgage lenders will usually require that you disclose all bank accounts. They will want to see your main current account to assess your spending habits and will also want to see your savings accounts to show where your deposit is coming from.
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