We want to make your mortgage application run as smoothly and quickly as possible for you.  To help us do that, please collate the following information, as relevant to your employment status, and either bring original document copies with you to your mortgage appointment, or scan and email to your advisor before your appointment.If you’re not sure about what you should or shouldn’t bring with you, please don’t hesitate to check before your appointment with your advisor or another of our friendly team members, who will be delighted to advise you.
Mandatory documents for all mortgage or remortgage applications, regardless of employment statusAll applicants
  • Proof of ID: Passport or driving licence
  • Your proof of address: Original bank statement/utility bill posted to you within the last 3 months, or your most recent council tax bill, or a driving licence if you have used a passport as proof of ID
  • Most recent 3 months’ bank statements: Online bank statements are fine but these must show your name(s), account number, sort code and a list of transactions. Bank statements in a spreadsheet form or screenshots are not acceptable
  • Most recent credit card or loan statements for any credit cards/loans/car finance held: Just the latest month is fine
  • Most recent annual mortgage statement available: If applicable
  • Proof of deposit: E.g. copy of savings account statement
  • Existing life insurance/critical illness/income protection policy schedules
For all applicants, for any current credit cards please confirm
  • Name of creditor e.g. which credit card company you hold the card with
  • Balance outstanding
  • Credit limit
For all applicants, for any current loans/car finance/ 0% finance please confirm
  • Name of creditor e.g. what is the name of the finance company you hold the account with
  • Balance outstanding
  • Monthly payment
  • Number of months remaining on your agreement
In addition to the mandatory documents listed above, if you’re Employed (PAYE):
  • Most recent 3 months’ payslips: If you receive a quarterly bonus please bring the last 4 payslips showing the bonus being paid; if you earn a bi-annual or annual bonus please bring payslips covering the last 2 years showing the bonus being paid
  • Most recent P60: Please provide previous P60 as well if bonus/commission/overtime are received
  • Details of employee benefits, such as Death in Service Benefit and/or sick pay details
In addition to the mandatory documents listed above, if you’re Self-employed sole trader or partnership:  
In addition to the mandatory documents listed above, if you’re a Limited company director:
  • Most recent 2 years completed company accounts: Audited accounts, signed off by a qualified accountant
  • Most recent 2 years HMRC Tax Calculations: Please download from the HMRC self-assessment website or ask your accountant
Contractors (in addition to above limited company director documents):
  • Copies of your latest 2 years contracts: Original contract + renewals

For insurance business we offer products from a choice of insurers.

You may have to pay an early repayment charge to your existing lender if you remortgage.

There is no guarantee that it will be possible to arrange continuous letting of the property, nor that rental income will be sufficient to meet the cost of the mortgage.

Your home may be repossessed if you do not keep up repayments on your mortgage.

A fee of up to 1% of the mortgage may be charged depending on individual circumstances. A typical fee is £495.

Monica Bradley Associates is a trading name of Monica Bradley Associates Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

Monica Bradley Associates Limited. Registered Office: Carlton Chambers, 16a The Broadway, Cheam, Surrey, SM3 8AY. Registered in England Number: 08857932