1
3-6 months before viewing: Check your credit report, start saving, reduce debts
2
When you start looking: Get an agreement in principle so you know your budget
3
Offer accepted: Submit your full mortgage application within days
4
2-4 weeks after applying: Receive your formal mortgage offer
- Starting too late: Applying for a mortgage after your offer is accepted wastes valuable time and can hold up the chain.
- Changing jobs right before applying: Lenders prefer to see you have passed your probation period. Wait until your new role is confirmed.
- Applying for credit in the weeks before: New credit cards, phone contracts, or car finance can all affect your affordability score.
- Not checking your credit report: Errors or forgotten debts can delay or derail your application.
- Last three months of payslips
- Last three months of bank statements (all accounts)
- P60 or tax return (last two years if self employed)
- Photo ID (passport or driving licence)
- Proof of address (utility bill or council tax statement)
- Proof of deposit (savings statements, gift letter if applicable)
Ready to get started?
The earlier you speak to us, the smoother the process. Get in touch and we will get your agreement in principle done so you are ready to move.
Speak to us