When applying for a mortgage in the UK, you will need to provide several types of identification and documentation to verify your identity, income, and financial status. Here is a detailed list of the most commonly required documents:

Proof of Identity:

1. Passport:
   • A current, valid passport is the most widely accepted form of ID.
2. Driving Licence:
   • A full or provisional UK driving licence (photocard) is also commonly accepted.
3. National Identity Card:
   • If you are an EU/EEA national, your national identity card can serve as proof of identity.
4. Biometric Residence Permit:
   • Non-UK nationals might use a biometric residence permit if applicable.

Proof of Address:

1. Utility Bills:
   • Recent utility bills (gas, electricity, water) dated within the last 3 months.
2. Council Tax Bill:
   • The latest council tax bill.
3. Bank Statements:
   • Bank or building society statements dated within the last 3 months.
4. Mortgage Statements:
   • If you currently have a mortgage, a recent mortgage statement can also serve as proof of address.

Proof of Income:

1. Pay Slips:
   • Typically, the last 3 to 6 months of pay slips.
2. P60 Form:
   • The most recent P60 form, which summarizes your pay and the tax deducted over the previous tax year.
3. Employment Letter:
   • A letter from your employer confirming your employment status, salary, and length of employment.
4. Self-Employment Income:
   • If you are self-employed, you will need to provide:
     • SA302 forms or a tax year overview from HMRC for the last 2 to 3 years.
     • Business accounts prepared by a certified accountant for the last 2 to 3 years.

Proof of Financial Stability:

1. Bank Statements:
   • Recent bank statements from the last 3 to 6 months.
2. Savings Accounts:
   • Statements or passbooks for any savings accounts.
3. Credit Report:
   • Some lenders may request a copy of your credit report to assess your creditworthiness.

Additional Documentation:

1. Proof of Deposit:
   • Evidence of the source of your deposit, such as savings account statements or a gift letter if the deposit is being gifted by a family member.
2. Identification for Joint Applicants:
   • If you are applying with a partner, they will need to provide the same identification and financial documents.
3. Existing Mortgage Details:
   • If you have an existing mortgage, provide statements and details of the outstanding balance.
4. Property Details:
   • Details about the property you intend to purchase, including the sale price and any agreements with the seller.

Summary:

For a UK mortgage application, you will need to provide proof of identity, proof of address, proof of income, and documentation showing your financial stability. These typically include a passport or driving licence, recent utility bills or bank statements, pay slips or tax documents, and bank statements. The exact requirements can vary between lenders, so it’s a good idea to check with your mortgage advisor or lender for a precise list of required documents.