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Document checklist

Know exactly what to gather

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Trading setup

Trading history

What are you doing?

0 of 13 collected

Identity & banking

Photo ID (passport or driving licence)
Proof of address dated within 3 months
3 months' personal bank statements
3 months' business bank statements
Latest credit report (free from Experian or Checkmyfile)

Income evidence

Full company accounts for the last 2 years
SA302 tax calculations — last 2 years
Tax year overviews matching each SA302
Accountant's certificate confirming salary, dividends and net profit
Confirmation of your shareholding percentage

First-time buyer specifics

Proof of deposit (savings statements showing build-up)
Gifted deposit letter from donor, if applicable
Memorandum of sale from the estate agent

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Your home may be repossessed if you do not keep up repayments on your mortgage. All calculations shown are estimates only and do not constitute a mortgage offer or personal advice. © 2026 Harper & Co Mortgage Advice.