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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