Mortgage paperwork

Carl Atkinson

4-minute read

Last updated:

January 28, 2021

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Mortgage paperwork.

It used to mean trips to the bank, turning filing cabinets upside down and just enough stress to make you believe that staying at home with your mum and dad for another year actually doesn't sound that bad.

The fact is that every lender will need to see 3 key things. As your broker Mojo will make this as easy as possible for you. In fact you may need nothing but your phone to do it. And that helps because efficiency is important in getting a timely mortgage offer.

Avoid delays by uploading your documents ASAP

It doesn't matter if you're applying for your first mortgage or a remortgage, we'll need the following three documents to avoid delays:

1) Passport or driving licence

Why do we need it?

To protect people from identity theft and to confirm your identity.

How do we need it?

A scan or good quality photo will do. Upload in a JPEG or PDF format.

2) Latest payslip (or SA302 if you're self employed)

Why do we need it?

Payslips are a quick, simple way to prove your income.

If you're self employed, use the SA302 form. It's a certificate that shows your income declared to HMRC.

How do we need it?

f you get your payslips online, download them as a PDF and then upload them to Mojo.

If you receive paper payslips, you can upload a photo or a scan.

If you’re self employed, use the SA302 form. It’s a certificate that shows your income declared to HMRC. The SA302 document is now called a tax calculation. It will be accompanied by a tax year overview which shows the tax you’ve paid.

This is how you get it

3) Latest bank statement

Why do we need it?

A bank statement is needed for initial affordability checks. It gives a fuller view of your circumstances and allows us to recommend the most suitable mortgages.

Please note: We only need the latest month’s statement right now, but in the future your lender will want 3 months. You can upload all 3 now if it will save you time later.

How do we need it?

The easiest way to send us your statements is to download them direct from your online banking and upload the PDF files.

You can also upload scans or photos of paper statements.

Uploading photos – getting it right the first time

If you are taking photos, make sure:

  • All info is clearly visible and readable
  • There are no fingers or thumbs
  • Flashes or shadows do not affect the visibility
  • The photo captures the full document - use a plain white background if necessary
  • For passports make sure the long sequence of numbers and letters at the bottom of the photo page are visible
  • For bank statements take on photo for each page of the paper statement
How to upload mortgage paperwork

That’s it… for now

Provided we get these 3 documents from you now we can get you a decision in principle from a lender.

After that, the lender will require a few more documents from you. Every lender is slightly different, so we’ll be in touch as and when they are needed.

Thanks for uploading.

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