Mortgage application proofs guide

If you're currently employed on a fixed-term contract, you must be employed for a minimum of 12 months, or have at least 24 months remaining on your current contract.

You'll need to provide us with your latest employment contract. It needs to include all pages and must be signed by you and your employer.

If your original contract has been extended, we need to see a copy of the extension letter.

If you're employed on a temporary basis through an agency, we'll contact your employment agency.

You'll need to have been self-employed in the UK for a minimum of 2 years, and you'll need to supply us with your accountant's name, address, contact telephone number and email address. We'll request an Accountant's Certificate directly from them.

As an alternative to supplying an Accountant's Certificate, or if you don’t have an accountant we’ll need to see your latest 2 years of HM Revenue and Customs (HMRC) documents, commercial software calculations or tax computation reports. These must be accompanied by an HMRC online tax year overview.

Tax calculations and the Tax Year Overviews can be printed from your online account. If you don't have an online account, you can contact the HMRC directly.

If you're a fixed-term contractor and have been invoicing through your own limited company for 1 to 2 years, we may treat you as an employed fixed-term contractor. If you've been a fixed-term contractor for 2 years or more, you'll be treated either as an employed FTC, or self employed.

If you're a Nationwide member and fall outside these criteria, please call us on 03457 30 20 10 (Monday to Friday, 8am to 6pm. Saturday 8.30am to 4pm. Closed Sundays and bank holidays).

If you've declared income additional to any employment income, you'll need to provide us with proof of this.

This is not an exhaustive list.

You’ll need to provide the last 3 months of bank statements showing the payment being received.

A copy of your latest award letter from the Department for Work and Pensions (DWP).

Please provide your most recent 3 months of bank statements showing a maintenance payment for each month.

If the bank statement is in joint names with the person paying the maintenance, we cannot accept this as a proof.

You'll need to provide:

• your latest annual pension statement or letter from your pension provider
• your latest pension payslip, or
• your P60.

You’ll need to provide a copy of your latest annual statement from the Pension Service.

We’ll need to see your latest statement. We may also ask for up to 6 months of bank statements, depending on your circumstances.

We accept both paper and online bank statements. If providing us with online versions, please include the HTTP address at the bottom of the page so we know they come from a trusted source.

The key information we need:

• a full month’s statement for the number of months requested and must be the latest received.
• your full name or initials, surname, and your address.
• the building society or bank logo.
• all pages of the statement or statements.
• bank account and sort code numbers.
• a running balance must be shown.
• if the statement is from a current account, payments should be shown leaving the account.
• outgoings must match those declared on the application – for example, loan and credit card payments.

When you apply for a mortgage with Nationwide, we may need additional proof of your name and address to verify your identity. This is so that we can meet UK money laundering regulations to help stop criminals from using financial products or services for their own benefit. We'll only ask for enough information to allow us to open your account.

See our proving your identity page for details of how to provide us with your proof of name and address.

Proving your identity

If we need to see the deposit in your bank account statements, we’ll let you know in your Decision in Principle.

The number of bank statements we’ll need depends on the location of your savings account:

• Within the UK and European Economic Area (EEA) – we’ll need to see 1 statement.
• Outside of the UK and EEA – we’ll need to see 3 months of statements.
• If we do not need to see your deposit, we won’t ask to see any bank statements.

When you apply, you’ll need to let us know if someone has given you the money for a deposit in the last 12 months. If your gift is £10,000 or more, you’ll need to fill in a gifted deposit form.

Find out about using a gift for a mortgage deposit

We only need these documents if you’re asked for them on your mortgage application. Whether you’re applying for your mortgage online or by mortgage consultant, you will need to bring your documents into a branch to be certified.

We accept the following proofs:

• Permanent Residence Card
• Residence Card, Family of a Settled Person Visa and UK Ancestry Visa
• Proof of Visa normally held in the applicants current or old passport
• Biometric Residence Permit – these are a new style of visa card for both EEA and Non-EEA Nationals but are only acceptable for Tier 1 or Tier 2 visa, spousal or ancestral visas, or with indefinite leave to remain. Please ensure the front and back of the card is sent.
• Home Office Letter – normally only applies to Asylum Seekers and Refugees who have been granted 'indefinite leave to remain' but can also be accepted as a supporting document (for example, if residency was a stamp endorsement in a previous passport and the letter matches the previous passport reference number).

There may be circumstances where we need to ask for additional proofs or information, or may not be able to accept the proofs if the application does not meet our criteria.

We welcome applications from non-EEA nationals who have been granted indefinite leave to remain, as well as Croatian nationals.

We ask that you:

• have completed a minimum of 12 months of continuous employment in the UK.
• can show a registration certificate.
• have indefinite leave to remain in the UK.
• if self-employed, that you satisfy our policy on self-employment.

Additionally, for Croatian nationals, we also require you to:

• have completed a minimum of 12 months of continuous employment in the UK.
• be able to show a registration certificate.

We can make exceptions in certain circumstances and for most mortgages – exceptions include Equity Share applications.

Visa requirements:

• Applicants with either a Tier 1 or Tier 2 visa.
• Applicants who are in the UK on a spousal, family of a settled person visa or ancestral visa.

In order to be considered, you must:

• have your salary paid in sterling into a UK bank account.
• have been legally resident in the UK for at least 3 years.

The application must also:

• have a maximum Loan to Value (LTV) of 75%.
• have a minimum 25% deposit from the applicant’s own resources.

Gifts and builder’s cashbacks are only acceptable if they’re in addition to the 25% from the applicant’s own funds.