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Document Collection Process

Document Collection Process

Last Updated 30 March 2023

A key part of getting out a mortgage is proving who you are, what you earn and what you spend. At Tembo, we'll request a number of documents from you to ensure we can get things moving as quickly as possible. Here's a guide to what we'll need and why.

In this guide

  • Proof of ID
  • Proof of income & outgoings
  • Proof of a gifted deposit
  • Memorandum of Sale

In order to successfully submit your mortgage application for you, our team at Tembo will need to collect a number of documents as evidence.

Admin is no-one's favourite job, so let's make it as pain-free as possible for you by listing what documents we'll need, in what formats and why.

Proof of ID

First up, we need evidence that you are who you say you are. Lenders will want to see proof of your identity, and proof of your address.

Acceptable documents for identification:

  • Passport (must be in date and must show your signature)
  • Driving Licence (must be in date)

Acceptable documents for proof of current address

  • Driving Licence (cannot use if we are already using for proof of ID)
  • Council Tax Bill (dated within the last 12 months)
  • Bank Statement (dated within the last 3 months)
  • Utility Bill (Gas/Electricity bill or Landline phone bill dated within the last 3 months)

Proof of income & outgoings

Now we'll need to validate what you've told us about your income and expenditure. To do this, we'll review your payslips and bank statements.

Latest 3 months Bank Statements

  • For ALL bank accounts showing your salary being paid and showing your monthly household expenditure

Proof of Income - Employed

  • Latest 3 months payslips (please ensure no information is cut off the payslips)
  • Latest P60

Proof of Income - Self-Employed

It's a bit more varied for those that are self-employed. But your advisor should already have told you which documents we need to see from the below list.

  • Latest 2 (or 3) years SA302 (tax calculation)
  • Latest 2 (or 3) years TYO (tax year overview)
  • Latest 2 (or 3) years SA100
  • Latest 2 (or 3) years company accounts (this is not bank statements, but your business accounts e.g. from Companies House)
  • Latest 3 months business bank statements (if you don’t have a business bank account, please confirm if you use your personal bank account for business purposes)

Scans vs photos

Where possible, provide scanned copies of documents. Many lenders don't accept screenshots or photos which can cause frustrating delays further down the line. But you don't need to walk to the library - there are apps available on your phone that will create a scan from a photo!

Proof of a gifted deposit

If a family member or friend is gifting you money toward your house deposit, we'll need to verify that the money exists, and where it is.

If the gifted funds are already in your bank account

  • Bank statement showing the funds from giftors bank account going into your bank account
  • Latest month's bank statement to show the funds are still in your bank account
  • The giftor will be required to ‘wet’ sign (pen to paper) a gifted deposit letter - this will be requested once we've picked a lender

If the gifted funds are not yet received

£10,000 and below

  • Giftor will be required to ‘wet’ sign (pen to paper) a gifted deposit letter - this will be requested once the lender has been chosen

Above £10,000

  • Latest months bank statements from the giftor
  • Giftor will be required to ‘wet’ sign (pen to paper) a gifted deposit letter - this will be requested once the lender has been chosen

Memorandum of Sale

Once your offer is accepted on a property, the estate agent will provide you with a memorandum of sale, which we'll ask you to send over. If this is not currently available please provide the following:

  • Solicitors (Firm name, point of contact, email address and contact number)
  • Estate Agent / Seller (Firm name, point of contact, email address and contact number)

While it might seem a daunting task to prepare all of these documents, providing them early will mean we can provide advice to you much more accurately, and much faster, too! Plus, our handy customer portal means you can upload documents easily and tick them off your to-do list.