Be prepared to apply

It's a good idea to get organised before you apply for a mortgage and find your new home. There are a few things you can do to make the process smoother.

Get on the electoral roll

If your name isn't on there, you’ll find it harder to get credit. Go to The Electoral Commission to find out how to register. about you.

Review your credit file

Checking your multi-agency credit file is a good idea prior to making any application for credit. If you think information on your file is wrong, challenge it with the credit reference agency.  Errors on your credit file can lead to your application being rejected. 

Get your paperwork ready

When you apply for a mortgage, lenders will look at your income and outgoings. To prove your income you’ll usually need to show payslips and bank statements from the last 3 months. If you’re self-employed, you'll need copies of your HMRC tax returns and business accounts. In all cases you will need to show identification and address proof.

Make regular card payments

Make sure you avoid missing card payments or paying late by setting up direct debits. Too much credit could have a negative effect so make sure you cancel any unused cards.

Prepare for the future

Are you thinking of starting a family sometime soon? Would you still be able to afford your mortgage payments if your income changed?


Think about how any future changes in income or interest rates could affect your ability to make your mortgage payments.

Ready to apply for a paperless mortgage?

Your next step is to complete your paperless mortgage application. In most cases you can choose to apply online, over the phone or by video call. Whatever your choice, you can upload, view and sign all your documents online.