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Mortgages

We have a dedicated financial team in to assist with any mortgage advice you may need! Click here for more details.

What documents do you need to apply for a mortgage? 

Applying for a mortgage is a big step in your property journey, and it’s important to be prepared with the right documents. Lenders in the UK require specific paperwork to assess your eligibility and financial stability. While requirements may vary depending on the lender, here’s a general overview of what you will need:

Proof of identity:

This is usually a passport or driving licence. Lenders need to verify your identity to ensure you are who you say you are.

Proof of address:

Recent utility bills, bank statements, or a council tax bill can be used to confirm your current address. Generally, lenders require documents dated within the last three months.

Proof of income:

Lenders need to assess whether you can afford your monthly mortgage payments. This usually involves providing pay slips for the last three months (if employed) or your last two yearly tax returns and accounts (if self-employed). If you have other sources of income, such as rental income or bonuses, you will need to provide evidence of that as well.

Bank statements:

Most lenders will ask for at least three months' worth of bank statements to verify your financial standing and ensure you manage your finances responsibly.

Details of existing debt:

If you have any other debts or financial commitments, such as personal loans, credit cards, or student loans, you will need to provide details. Lenders will use this information to assess your affordability.

Deposit Information:

Be prepared to show where your deposit is coming from, whether it’s from savings, a family gift or a government scheme like Help to Buy.

Employment Details:

Lenders will often ask for information about your current employment status, such as your employer’s name, your job title and how long you have been employed.

Property Details:

If you are buying a property, you will need to provide information about it, including the price, location and any relevant paperwork related to the sale (e.g., the sale agreement).

Having all the required documents in order can help speed up the process and increase your chances of mortgage approval. It’s always a good idea to gather everything early to avoid any last-minute delays.

Ready to take the next step in your property journey? Get in touch with one of our experts today to discuss your mortgage options.

Contact us for expert guidance 

Latest Properties

Edward Street, Altofts

£375,000

5    3    2   

Situated in Altofts is this FIVE bedroom detached home benefitting from OPEN PLAN kitchen/diner/lounge and MODERN bathrooms. VIEWING ESSENTIAL. EPC rating B81.

Lingwell Nook Lane, Lofthouse Gate, Wakefield

OIRO £350,000

3    2   

Situated in Lofthouse is this THREE bedroom semi detached property benefitting from MODERN fitted kitchen and ENCLOSED rear garden. VIEWING ESSENTIAL. EPC rating C75.

Park Avenue, Outwood, Wakefield

£215,000

3    1    2   

Three bedroom semi detached house on a generous size CORNER PLOT with off road parking, GARAGE and further outhouses. Having two reception rooms and pleasant gardens to the front, side and rear. An internal viewing is recommended on this home. EPC rating D63

Queen Street, Normanton

£185,000

3    1    2   

A semi detached house, deceptively spacious with two reception rooms, THREE FIRST FLOOR BEDROOMS, a downstairs bathroom, attractive enclosed rear garden, two driveway parking spaces and a GARAGE.EPC rating D61

What Our Customers Say...

Fantastic service Very productive in a market that is difficult and stressful. Helpful and always keeping you up to date with great advice in the process. John 09/06/2025
Wonderful, friendly service from Francesca and the team. Thankyou for making the whole experience from viewing to signing up and getting the keys a 5 Star service. Susan 09/06/2025
Both Donna & Joanne did a wonderful job for me & kept me informed every step of the way. Thank you both. Marilyn 09/06/2025
Roger Hall visited us and gave us a valuation in October, after reviewing other estate agents we agreed to go ahead with Richard Kendall a week later. In the space of just 15 days we had an offer we had accepted on our property. We were buying a new build property with a long lead time (6 months), and Richard Kendall were fantastic in ensuring our prospective buyers (and anyone else in the chain) knew of the situation. I can't fault the speed or communication of the team, particularly Karen Dawson who helped us at every step. Andrew 09/06/2025
Excellent service and very professional. Mandy kept me informed and was very helpful throughout my sale with regular updates , always very happy and honest and it was a pleasure to have Mandy as my negotiator . I will definitely recommend Richard Kendall. David 09/06/2025
We’ve just sold a property with Richard Kendall and couldn’t be happier with the excellent service received from Lucy and the team. Their professionalism and communication throughout was spot on and made the whole process much less stressful. We were also really impressed with their marketing of the property which resulted in lots of viewings, offers and the sale price we wanted. We actually moved to Richard Kendall from another local agent and couldn’t believe the difference in all aspects of the process. Brilliant from start to finish, can’t recommend Lucy and the team highly enough. Lydia 09/06/2025
The entire process of selling my parents' property during a difficult time was handled with exemplary care and professionalism. Amanda and the team at the Wakefield office were fantastic throughout. Their attention to detail, clear communication, and supportive approach made a challenging situation much easier to navigate. Special thanks again to Amanda, Andy and Donna for their invaluable input and assistance. Their expertise and dedication truly stood out. I highly recommend this team for anyone seeking a smooth and supportive property sale experience. Ben 09/06/2025
We sold out flat through Richard Kendall, working mainly with Karen Marijewko and we could not have had a better experience than we did. Karen kept in touch through the full process without any prompting required, she was so supportive and helpful! We really couldn’t have asked for more from the agency in general but especially from Karen. The process wasn’t the smoothest but Karen helped move it along and always kept us in mind to get us the best experience, we are so grateful for everything Karen has done for us! Sarah & Warren 09/06/2025
The support that Liz from the Wakefield office, gave at this time is unmeasurable. Many thanks for going above and beyond and endeavouring to get our sale over the line. Ricahrd 09/06/2025

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