Ultimate Mortgage Application Checklist

Everything you need to prepare for a successful mortgage application

Prepared for: Valued Client

Prepare Early (Months Before)

Save Your Deposit (aim for 10% of house price minimum)

Check Credit Score - register on electoral roll, pay down debts, clear any overdraft

Ensure passport and photocard driving licence are valid

Update Address Proof - gather recent utility bills or statements (within 3-4 months)

Streamline Bank Accounts - consolidate multiple accounts, close unused ones

Research mortgage rates and speak to a broker about your options

Just Before Applying

Get Decision-in-Principle (Agreement in Principle) from a lender or broker

Find a Mortgage Advisor - contact Opus or another broker to review options

Budget for Fees - aim for an extra 10-15% of property price for additional costs

Book your solicitor/conveyancer for legal work

Plan move date and consider removal company booking

Ensure all documents are up to date and easily accessible

Don't Forget These Costs

• Stamp Duty (varies by property value)

• Legal/Conveyancing Fees (£500-£1,800)

• Survey Fees (£300-£1,500)

• Mortgage Arrangement Fee (£500-£1,500)

• Moving Costs (£500-£2,000)

• Broker Fees (if applicable)

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Application Document Checklist

Identity & Address

Passport or photocard driving licence

Recent utility bill (gas, electric, water)

Bank statement showing current address

Council tax bill (if available)

Income Evidence

Latest 3 months' payslips (if employed)

Most recent P60 (if employed)

3 years' accounts or SA302s (if self-employed)

Employment contract or job offer letter

Bank Statements

3 months' current account statements

3 months' savings account statements

Credit card statements (if applicable)

Evidence of deposit source

Property & Other

Property details from estate agent

Sales particulars and EPC

Gift letter (if deposit is gifted)

Existing mortgage statements (if applicable)

Additional Requirements (If Applicable)

Divorce decree absolute (if divorced)

Child maintenance agreements

Rental income evidence (if buy-to-let investor)

Business accounts (if company director)

Accountant's reference (if self-employed)

Details of other properties owned

Final Tips for Success

Double-check everything! Incomplete applications cause delays

Clear any new debt (e.g. car loans) before applying if possible

Don't change jobs between application and completion

Keep all bank account activity 'normal' - avoid large unexplained transactions

Respond quickly to any lender requests for additional information

Ready to Apply?

Expert guidance • Whole of market access • No hidden fees

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