What Documents Do I Need to Remortgage?

Proof of Identity and Address

Every lender will need to verify your identity as part of their anti-money laundering checks. You will typically need to provide:

• Photo ID – a valid passport or UK driving licence.
• Proof of address – a recent utility bill, council tax bill, or bank statement dated within the last three months. The address must match your current home address.

If you have changed your name since taking out your current mortgage (for example, after marriage), you may also need to provide a marriage certificate or deed poll.

Some lenders now offer digital identity verification, which can speed up this part of the process. Your broker or lender will let you know which methods they accept.

Proof of Income

Lenders need to confirm that you can afford the new mortgage payments. The documents required depend on your employment status:

• Employed applicants – your last three months' payslips and your most recent P60. Some lenders may also ask for an employer's reference.
• Self-employed applicants – at least two years of SA302 tax calculations and tax year overviews from HMRC, plus your business accounts if applicable. Some lenders accept just one year of accounts.
• Company directors – in addition to SA302s, you may need to provide your company's accounts and details of any dividends taken.

If you have other sources of income such as rental income, pension payments, or investment returns, gather supporting documents for these as well.

Bank Statements and Existing Commitments

Most lenders will ask for your last three to six months' bank statements. They use these to verify your income, assess your regular spending, and check for any undisclosed financial commitments.

Be prepared for lenders to scrutinise your outgoings. They will look at regular payments such as childcare costs, loan repayments, credit card minimum payments, and other financial commitments. Having an honest and clear picture of your finances will help the process run more smoothly.

If you have outstanding debts such as personal loans, car finance, or credit cards, gather the most recent statements for these as well. Lenders factor these commitments into their affordability calculations.

Property and Mortgage Details

You will need to provide details about your current mortgage and property, including:

• Current mortgage statement – showing your outstanding balance, monthly payment, and any early repayment charges.
• Property details – the full address, property type, and approximate value. Some lenders may ask whether you have made any significant alterations.
• Leasehold information – if your property is leasehold, you will need details of the remaining lease length, ground rent, and service charges.

If you are remortgaging to raise additional funds, you may also need to provide details of what the extra borrowing is for. Lenders treat remortgages for home improvements differently from those for debt consolidation, for example.