Documents
Required

7 Steps to Help Us Apply for Your Mortgage

We believe in keeping things as simple as possible. Follow the steps below and when you have all the documents you need, visit the document upload section on the home page to send your documents securely to us.

If you have had ANY adverse credit or are consolidating ANY debt, we MUST have a copy of your most recent credit report.

Please send any documents as PDF files. Other file types such as PNG or JPG will not be accepted. Screen shots are not acceptable. If you are taking pictures of documents, these may also be unacceptable.

Proof of Identity & Address

To comply with legislation, verify your identity and address, please provide one proof of identity and one proof of address.

If you don’t have the required documents listed below, please inform us, and we can suggest alternative options.

Handy Hint.

Passport – Please scan the photo page & the page above onto one image.

Driving Licence – Please scan both the front and the back of the driving licence. Separate images of the front and back of the licence are acceptable.

Driving Licence – This can ONLY be used for Proof of Identity OR Proof Of Address. It CANNOT be used for both.

The documents should have a clear border around the edges with the signature, photograph and all reference numbers clearly legible. 

Proof
of Identity

  • Valid Current Signed Passport

  • Valid Current Photocard Driving Licence – (full or provisional) 

  • National Identity Card / UK Border Agency Identity Card

  • Firearms Certificate or Shotgun Licence

  • Identity Card issued by the Northern Ireland Electoral Office

  • HMRC Registration Card CIS4 for construction industry employees

Proof
of Residence

  • Full Driving Licence (old style) or current photocard licence (full or provisional)

  • Housing benefit letter OR Tax credit letter /document

  • Council tax benefit letter/document

  • Pension book/Notification letter

  • Grant notification– eg Educational

  • Current Tax Code Notification/ Assessment/ (not P60 /P45)

  • Bank Statement (Latest available) This MUST show your name, address, sort code & account number.

Handy Hint.

The documents should have a clear border around the edges with the signature, photograph and all reference numbers clearly legible. 

Driving Licence – This can ONLY be used for Proof of Identity OR Proof Of Address. It CANNOT be used for both.

Handy Hint.

Depending on your type of employment, means we need different things to prove your income. Please select your employment type below for what we require.

PDF documents are preferred. We are happy to contact your accountant directly. Please contact your accountant and tell them to expect contact from us asking for your documents.

Proof
of Income

Bank
Statements

Handy Hint.

Handy Hint.

Lenders will need to see that you have the deposit funds available. This helps confirm you have the funds available and we comply with policy and regulations in relation to money laundering.

Proof
of Deposit

Credit
Report

Your credit report confirms your current debts and also gives an approximate balance. We need to see the credit report for all applicants so we can confirm the information you have supplied.

We recommend Check My File, as they show all major credit reference agencies side by side as not all credit reports contain the same information. They will also give you a free trial for 30 days.

Sorry, but we cannot accept reports from Clear Score, Noddle or Credit Karma as they do not give us all the data we require. 

Handy Hint.

We recommend checkmyfile as they look at Experian, Equifax and Trans Union side by side.

If you are a new customer they give you a 30 day FREE trial then £14.99 a month which you can cancel at any time.

By clicking the button you understand that Charlie Bridges Mortgages & Protection cannot be held liable for any resulting actions once you have left this website.

Check sheet of documents you need to supply

Documents Required

This is per applicant

1 x Proof of Identity

1 x Proof of Residence

Proof of Income (in line with your employment type shown below)

3 consecutive months bank statements where your salary and bills are paid into. These must show your name, address, sort code & account number.

If you have a separate bills account, then we will need 3 months statements for where your salary is paid into and then a further 3 months statements for your bills account.

A copy of your latest credit report covering the last 6 years as a PDF document including any document passwords.

Additional Requirements

Please Read

Additional Requirements for Purchase:

Proof of Deposit (in line with the proof of deposit section)

Additional Requirements for Remortgage:

A copy of your latest mortgage statement.

*Note: Your most recent mortgage statement is usually sent annually and contains information such as reference numbers, terms, and balances. If you can’t locate your latest one, please contact your current lender and see if they can send you one out by post or email.*

Please keep in mind that these are the minimum requirements, and additional documentation may be requested once the application has been submitted.

 

And Finally!

Once you have collected all the above documents,

why not add them to our secure document upload.

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The Legal Bit...

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances.

The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.

*Bridging, Will Writing, Equity Release & Conveyancing are all provided through our network of approved business partners.

Charlie Bridges Mortgages & Protection is a trading name of Charlie Bridges Mortgages & Protection Ltd which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority. 

Charlie Bridges Mortgages & Protection Ltd. Registered Office Address: 16 Hermes Way, Sleaford, England, NG34 7WH. Registered in England Number: 11888979.

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By clicking the below button you accept to be bound by them.