What do I need to apply for a mortgage?

Applying for a mortgage can be a daunting process, but being well-prepared can make it smoother and increase your chances of approval. Fetchh provides a comprehensive guide on what you'll need when applying for a mortgage. Here's a breakdown to help you get started:​

Essential Documents for Your Mortgage Application

1. Check Your Credit Report

Before applying, it's crucial to review your credit report. You can access your credit score via platforms like checkmyfile. Improving your credit score—such as registering on the Electoral Roll at your main address—can increase your chances of mortgage approval with Fetchh.

2. Proof of Identity

You’ll need to provide valid identification, such as a passport or driving license. Make sure these documents are up to date.

3. Proof of Address

Acceptable documents include council tax bills, utility bills, or bank statements dated within the last three months.

4. Evidence of Deposit Source

Lenders want to see where your deposit is coming from:

Savings: Provide bank statements showing your name, address, and deposit history.

Gifted Deposits: Submit a letter or email from the gift giver confirming the money is a gift and whether it is repayable or non-repayable.

5. Proof of Income

Depending on how you earn:

Employed Applicants: Recent payslips and bank statements showing salary credits are required.

Self-Employed Applicants: Provide two years of certified accounts, SA302s, tax year overviews from HMRC, and business bank statements.

6. Proof of Expenses

To assess affordability, Fetchh will look at your financial outgoings, including loan payments, credit card debts, and any other financial commitments.

Special Considerations

Self-Employed or Freelancers

You’ll need to supply extra documentation to prove your income—typically two years of accounts and relevant HMRC records.

Buy-to-Let Mortgages

If you’re buying to rent out, Fetchh offers options for portfolio landlords too. Requirements may differ slightly from residential mortgages.

Ready to Begin?

A smart place to start is with an Agreement in Principle (AIP). It gives you a quick idea of how much Fetchh might lend you and shows sellers and agents that you’re a serious buyer. It only takes around 10 minutes and won’t affect your credit score.

For more details or to kick off your mortgage journey, contact put mortgage advisor in Birmingham.

Being prepared with the right paperwork can make all the difference. Whether you’re buying your first home or refinancing, Fetchh makes the process faster, easier, and more transparent.

Let me know if you'd like this tailored to a specific audience—like first-time buyers, self-employed clients, or buy-to-let investors!